Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$250,815Cash toward the purchase price.
Closing costs + prepaids$9,601Not just lender fees.
Before credits & paid funds$260,416The complete starting cash picture.
Estimated remaining funds due at closing
$260,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,815.13
Your down payment$250,815.13
Closing costs + prepaids$9,600.93
Total buyer cash needed$260,416.06
Remaining funds due$260,416.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$821.50
Prepaid interest, first (24 days)$14.43
Fees + prepaids$9,600.93
Your down payment is the seller’s equity. You take over the $3,185 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $260,416.06 is due at closing. Uses and sources reconcile at $263,600.93 each. Not a Closing Disclosure.