Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$241,957Cash toward the purchase price.
Closing costs + prepaids$9,745Not just lender fees.
Before credits & paid funds$251,702The complete starting cash picture.
Estimated remaining funds due at closing
$251,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,957.01
Your down payment$241,957.01
Closing costs + prepaids$9,744.85
Total buyer cash needed$251,701.86
Remaining funds due$251,701.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$339.75
Prepaid interest, first (23 days)$181.10
Fees + prepaids$9,744.85
Your down payment is the seller’s equity. You take over the $57,943 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $251,701.86 is due at closing. Uses and sources reconcile at $309,644.85 each. Not a Closing Disclosure.