Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$250,674Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$261,263The complete starting cash picture.
Estimated remaining funds due at closing
$261,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,674.15
Your down payment$250,674.15
Closing costs + prepaids$10,588.80
Total buyer cash needed$261,262.95
Remaining funds due$261,262.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$752.25
Prepaid interest, first (28 days)$311.56
Fees + prepaids$10,588.80
Your down payment is the seller’s equity. You take over the $79,325 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $261,262.95 is due at closing. Uses and sources reconcile at $340,587.80 each. Not a Closing Disclosure.