Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$247,310Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$258,971The complete starting cash picture.
Estimated remaining funds due at closing
$258,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,310.27
Your down payment$247,310.27
Closing costs + prepaids$11,660.75
Total buyer cash needed$258,971.02
Remaining funds due$258,971.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$1,478.50
Prepaid interest, first (23 days)$308.25
Fees + prepaids$11,660.75
Your down payment is the seller’s equity. You take over the $117,590 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $258,971.02 is due at closing. Uses and sources reconcile at $376,560.75 each. Not a Closing Disclosure.