Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$254,766Cash toward the purchase price.
Closing costs + prepaids$9,753Not just lender fees.
Before credits & paid funds$264,519The complete starting cash picture.
Estimated remaining funds due at closing
$264,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,766.20
Your down payment$254,766.20
Closing costs + prepaids$9,752.70
Total buyer cash needed$264,518.90
Remaining funds due$264,518.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$362.75
Prepaid interest, first (26 days)$214.95
Fees + prepaids$9,752.70
Your down payment is the seller’s equity. You take over the $40,234 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $264,518.90 is due at closing. Uses and sources reconcile at $304,752.70 each. Not a Closing Disclosure.