Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$254,067Cash toward the purchase price.
Closing costs + prepaids$9,859Not just lender fees.
Before credits & paid funds$263,926The complete starting cash picture.
Estimated remaining funds due at closing
$263,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,066.63
Your down payment$254,066.63
Closing costs + prepaids$9,859.27
Total buyer cash needed$263,925.90
Remaining funds due$263,925.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$467.00
Prepaid interest, first (24 days)$177.27
Fees + prepaids$9,859.27
Your down payment is the seller’s equity. You take over the $44,933 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $263,925.90 is due at closing. Uses and sources reconcile at $308,859.27 each. Not a Closing Disclosure.