Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,289Cash toward the purchase price.
Closing costs + prepaids$9,360Not just lender fees.
Before credits & paid funds$247,649The complete starting cash picture.
Estimated remaining funds due at closing
$247,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,289.11
Your down payment$238,289.11
Closing costs + prepaids$9,359.53
Total buyer cash needed$247,648.65
Remaining funds due$247,648.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$295.00
Prepaid interest, first (27 days)$140.53
Fees + prepaids$9,359.53
Your down payment is the seller’s equity. You take over the $31,611 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $247,648.65 is due at closing. Uses and sources reconcile at $279,259.53 each. Not a Closing Disclosure.