Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$257,190Cash toward the purchase price.
Closing costs + prepaids$10,861Not just lender fees.
Before credits & paid funds$268,051The complete starting cash picture.
Estimated remaining funds due at closing
$268,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,189.95
Your down payment$257,189.95
Closing costs + prepaids$10,860.99
Total buyer cash needed$268,050.94
Remaining funds due$268,050.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.99
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)$1,727.50
Prepaid interest, first (22 days)$58.50
Fees + prepaids$10,860.99
Your down payment is the seller’s equity. You take over the $27,809 balance, so the rest of the $284,999 price is paid at closing. A second mortgage can cover part of it. $268,050.94 is due at closing. Uses and sources reconcile at $295,859.99 each. Not a Closing Disclosure.