Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$248,274Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$258,829The complete starting cash picture.
Estimated remaining funds due at closing
$258,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,274.37
Your down payment$248,274.37
Closing costs + prepaids$10,554.94
Total buyer cash needed$258,829.30
Remaining funds due$258,829.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$1,076.00
Prepaid interest, first (25 days)$258.94
Fees + prepaids$10,554.94
Your down payment is the seller’s equity. You take over the $51,226 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $258,829.30 is due at closing. Uses and sources reconcile at $310,054.94 each. Not a Closing Disclosure.