Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$232,306Cash toward the purchase price.
Closing costs + prepaids$12,715Not just lender fees.
Before credits & paid funds$245,021The complete starting cash picture.
Estimated remaining funds due at closing
$245,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,305.87
Your down payment$232,305.87
Closing costs + prepaids$12,714.73
Total buyer cash needed$245,020.60
Remaining funds due$245,020.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (12 days)$360.73
Fees + prepaids$12,714.73
Your down payment is the seller’s equity. You take over the $292,594 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $245,020.60 is due at closing. Uses and sources reconcile at $537,614.73 each. Not a Closing Disclosure.