Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$250,413Cash toward the purchase price.
Closing costs + prepaids$9,930Not just lender fees.
Before credits & paid funds$260,343The complete starting cash picture.
Estimated remaining funds due at closing
$260,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,412.92
Your down payment$250,412.92
Closing costs + prepaids$9,929.78
Total buyer cash needed$260,342.70
Remaining funds due$260,342.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$996.75
Prepaid interest, first (22 days)$58.03
Fees + prepaids$9,929.78
Your down payment is the seller’s equity. You take over the $14,587 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $260,342.70 is due at closing. Uses and sources reconcile at $274,929.78 each. Not a Closing Disclosure.