Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,853Cash toward the purchase price.
Closing costs + prepaids$10,048Not just lender fees.
Before credits & paid funds$274,901The complete starting cash picture.
Estimated remaining funds due at closing
$274,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,852.80
Your down payment$264,852.80
Closing costs + prepaids$10,047.90
Total buyer cash needed$274,900.69
Remaining funds due$274,900.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$806.50
Prepaid interest, first (26 days)$117.40
Fees + prepaids$10,047.90
Your down payment is the seller’s equity. You take over the $25,047 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $274,900.69 is due at closing. Uses and sources reconcile at $299,947.90 each. Not a Closing Disclosure.