Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$246,218Cash toward the purchase price.
Closing costs + prepaids$9,439Not just lender fees.
Before credits & paid funds$255,657The complete starting cash picture.
Estimated remaining funds due at closing
$255,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,218.12
Your down payment$246,218.12
Closing costs + prepaids$9,438.91
Total buyer cash needed$255,657.03
Remaining funds due$255,657.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$179.25
Prepaid interest, first (22 days)$144.66
Fees + prepaids$9,438.91
Your down payment is the seller’s equity. You take over the $42,782 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $255,657.03 is due at closing. Uses and sources reconcile at $298,438.91 each. Not a Closing Disclosure.