Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$242,598Cash toward the purchase price.
Closing costs + prepaids$10,142Not just lender fees.
Before credits & paid funds$252,740The complete starting cash picture.
Estimated remaining funds due at closing
$252,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,598.13
Your down payment$242,598.13
Closing costs + prepaids$10,141.84
Total buyer cash needed$252,739.97
Remaining funds due$252,739.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$1,247.75
Prepaid interest, first (25 days)$79.09
Fees + prepaids$10,141.84
Your down payment is the seller’s equity. You take over the $16,402 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $252,739.97 is due at closing. Uses and sources reconcile at $269,141.84 each. Not a Closing Disclosure.