Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$251,723Cash toward the purchase price.
Closing costs + prepaids$9,575Not just lender fees.
Before credits & paid funds$261,297The complete starting cash picture.
Estimated remaining funds due at closing
$261,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,722.65
Your down payment$251,722.65
Closing costs + prepaids$9,574.56
Total buyer cash needed$261,297.20
Remaining funds due$261,297.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,632.50
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)$658.25
Prepaid interest, first (28 days)$58.81
Fees + prepaids$9,574.56
Your down payment is the seller’s equity. You take over the $11,527 balance, so the rest of the $263,250 price is paid at closing. A second mortgage can cover part of it. $261,297.20 is due at closing. Uses and sources reconcile at $272,824.56 each. Not a Closing Disclosure.