Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$252,682Cash toward the purchase price.
Closing costs + prepaids$9,858Not just lender fees.
Before credits & paid funds$262,541The complete starting cash picture.
Estimated remaining funds due at closing
$262,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,682.45
Your down payment$252,682.45
Closing costs + prepaids$9,858.34
Total buyer cash needed$262,540.80
Remaining funds due$262,540.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$831.25
Prepaid interest, first (24 days)$52.09
Fees + prepaids$9,858.34
Your down payment is the seller’s equity. You take over the $22,318 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $262,540.80 is due at closing. Uses and sources reconcile at $284,858.34 each. Not a Closing Disclosure.