Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$258,657Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$267,940The complete starting cash picture.
Estimated remaining funds due at closing
$267,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,656.51
Your down payment$258,656.51
Closing costs + prepaids$9,283.94
Total buyer cash needed$267,940.45
Remaining funds due$267,940.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.29
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)$263.75
Prepaid interest, first (29 days)$45.90
Fees + prepaids$9,283.94
Your down payment is the seller’s equity. You take over the $16,272 balance, so the rest of the $274,929 price is paid at closing. A second mortgage can cover part of it. $267,940.45 is due at closing. Uses and sources reconcile at $284,212.94 each. Not a Closing Disclosure.