Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$248,779Cash toward the purchase price.
Closing costs + prepaids$12,107Not just lender fees.
Before credits & paid funds$260,886The complete starting cash picture.
Estimated remaining funds due at closing
$260,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,779.43
Your down payment$248,779.43
Closing costs + prepaids$12,106.60
Total buyer cash needed$260,886.03
Remaining funds due$260,886.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$1,044.50
Prepaid interest, first (23 days)$447.10
Fees + prepaids$12,106.60
Your down payment is the seller’s equity. You take over the $190,221 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $260,886.03 is due at closing. Uses and sources reconcile at $451,106.60 each. Not a Closing Disclosure.