Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$249,048Cash toward the purchase price.
Closing costs + prepaids$10,294Not just lender fees.
Before credits & paid funds$259,342The complete starting cash picture.
Estimated remaining funds due at closing
$259,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,048.21
Your down payment$249,048.21
Closing costs + prepaids$10,293.87
Total buyer cash needed$259,342.09
Remaining funds due$259,342.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.50
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)$1,347.75
Prepaid interest, first (24 days)$71.62
Fees + prepaids$10,293.87
Your down payment is the seller’s equity. You take over the $15,902 balance, so the rest of the $264,950 price is paid at closing. A second mortgage can cover part of it. $259,342.09 is due at closing. Uses and sources reconcile at $275,243.87 each. Not a Closing Disclosure.