Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$237,675Cash toward the purchase price.
Closing costs + prepaids$10,669Not just lender fees.
Before credits & paid funds$248,344The complete starting cash picture.
Estimated remaining funds due at closing
$248,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,675.24
Your down payment$237,675.24
Closing costs + prepaids$10,668.91
Total buyer cash needed$248,344.15
Remaining funds due$248,344.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Prepaid interest, first (12 days)$188.91
Fees + prepaids$10,668.91
Your down payment is the seller’s equity. You take over the $142,225 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $248,344.15 is due at closing. Uses and sources reconcile at $390,568.91 each. Not a Closing Disclosure.