Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$247,120Cash toward the purchase price.
Closing costs + prepaids$9,228Not just lender fees.
Before credits & paid funds$256,348The complete starting cash picture.
Estimated remaining funds due at closing
$256,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,119.63
Your down payment$247,119.63
Closing costs + prepaids$9,228.49
Total buyer cash needed$256,348.12
Remaining funds due$256,348.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$499.25
Prepaid interest, first (23 days)$5.24
Fees + prepaids$9,228.49
Your down payment is the seller’s equity. You take over the $2,780 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $256,348.12 is due at closing. Uses and sources reconcile at $259,128.49 each. Not a Closing Disclosure.