Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$253,462Cash toward the purchase price.
Closing costs + prepaids$9,230Not just lender fees.
Before credits & paid funds$262,692The complete starting cash picture.
Estimated remaining funds due at closing
$262,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,461.85
Your down payment$253,461.85
Closing costs + prepaids$9,230.43
Total buyer cash needed$262,692.27
Remaining funds due$262,692.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$381.25
Prepaid interest, first (26 days)$25.18
Fees + prepaids$9,230.43
Your down payment is the seller’s equity. You take over the $6,438 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $262,692.27 is due at closing. Uses and sources reconcile at $269,130.43 each. Not a Closing Disclosure.