Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$240,901Cash toward the purchase price.
Closing costs + prepaids$9,307Not just lender fees.
Before credits & paid funds$250,208The complete starting cash picture.
Estimated remaining funds due at closing
$250,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,900.63
Your down payment$240,900.63
Closing costs + prepaids$9,307.02
Total buyer cash needed$250,207.65
Remaining funds due$250,207.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$612.25
Prepaid interest, first (26 days)$20.77
Fees + prepaids$9,307.02
Your down payment is the seller’s equity. You take over the $3,999 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $250,207.65 is due at closing. Uses and sources reconcile at $254,207.02 each. Not a Closing Disclosure.