Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,953Cash toward the purchase price.
Closing costs + prepaids$9,562Not just lender fees.
Before credits & paid funds$258,515The complete starting cash picture.
Estimated remaining funds due at closing
$258,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,953.02
Your down payment$248,953.02
Closing costs + prepaids$9,562.46
Total buyer cash needed$258,515.48
Remaining funds due$258,515.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$93.50
Prepaid interest, first (27 days)$244.96
Fees + prepaids$9,562.46
Your down payment is the seller’s equity. You take over the $50,947 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $258,515.48 is due at closing. Uses and sources reconcile at $309,462.46 each. Not a Closing Disclosure.