Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$254,639Cash toward the purchase price.
Closing costs + prepaids$9,471Not just lender fees.
Before credits & paid funds$264,111The complete starting cash picture.
Estimated remaining funds due at closing
$264,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,639.29
Your down payment$254,639.29
Closing costs + prepaids$9,471.34
Total buyer cash needed$264,110.63
Remaining funds due$264,110.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$375.25
Prepaid interest, first (27 days)$71.10
Fees + prepaids$9,471.34
Your down payment is the seller’s equity. You take over the $25,360 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $264,110.63 is due at closing. Uses and sources reconcile at $289,470.34 each. Not a Closing Disclosure.