Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,866Cash toward the purchase price.
Closing costs + prepaids$9,395Not just lender fees.
Before credits & paid funds$251,261The complete starting cash picture.
Estimated remaining funds due at closing
$251,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,865.77
Your down payment$241,865.77
Closing costs + prepaids$9,395.38
Total buyer cash needed$251,261.15
Remaining funds due$251,261.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.99
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)$629.00
Prepaid interest, first (27 days)$41.39
Fees + prepaids$9,395.38
Your down payment is the seller’s equity. You take over the $8,133 balance, so the rest of the $249,999 price is paid at closing. A second mortgage can cover part of it. $251,261.15 is due at closing. Uses and sources reconcile at $259,394.38 each. Not a Closing Disclosure.