Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$243,311Cash toward the purchase price.
Closing costs + prepaids$9,230Not just lender fees.
Before credits & paid funds$252,541The complete starting cash picture.
Estimated remaining funds due at closing
$252,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,310.58
Your down payment$243,310.58
Closing costs + prepaids$9,230.49
Total buyer cash needed$252,541.07
Remaining funds due$252,541.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,480.00
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)$512.00
Prepaid interest, first (27 days)$13.49
Fees + prepaids$9,230.49
Your down payment is the seller’s equity. You take over the $4,689 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $252,541.07 is due at closing. Uses and sources reconcile at $257,230.49 each. Not a Closing Disclosure.