Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$249,745Cash toward the purchase price.
Closing costs + prepaids$10,125Not just lender fees.
Before credits & paid funds$259,870The complete starting cash picture.
Estimated remaining funds due at closing
$259,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,744.62
Your down payment$249,744.62
Closing costs + prepaids$10,125.50
Total buyer cash needed$259,870.12
Remaining funds due$259,870.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$219.50
Prepaid interest, first (28 days)$291.00
Fees + prepaids$10,125.50
Your down payment is the seller’s equity. You take over the $89,255 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $259,870.12 is due at closing. Uses and sources reconcile at $349,125.50 each. Not a Closing Disclosure.