Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$5,200Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$15,507The complete starting cash picture.
Estimated remaining funds due at closing
$15,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,199.64
Your down payment$5,199.64
Closing costs + prepaids$10,307.61
Total buyer cash needed$15,507.24
Remaining funds due$15,507.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$625.00
Prepaid interest, first (22 days)$957.61
Fees + prepaids$10,307.61
Your down payment is the seller’s equity. You take over the $244,800 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $15,507.24 is due at closing. Uses and sources reconcile at $260,307.61 each. Not a Closing Disclosure.