Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$319Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$10,985The complete starting cash picture.
Estimated remaining funds due at closing
$10,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319.23
Your down payment$319.23
Closing costs + prepaids$10,666.12
Total buyer cash needed$10,985.36
Remaining funds due$10,985.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,488.00
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)$824.75
Prepaid interest, first (25 days)$1,128.37
Fees + prepaids$10,666.12
Your down payment is the seller’s equity. You take over the $248,481 balance, so the rest of the $248,800 price is paid at closing. A second mortgage can cover part of it. $10,985.36 is due at closing. Uses and sources reconcile at $259,466.12 each. Not a Closing Disclosure.