Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$257,748Cash toward the purchase price.
Closing costs + prepaids$10,865Not just lender fees.
Before credits & paid funds$268,613The complete starting cash picture.
Estimated remaining funds due at closing
$268,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,747.93
Your down payment$257,747.93
Closing costs + prepaids$10,864.65
Total buyer cash needed$268,612.58
Remaining funds due$268,612.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$451.00
Prepaid interest, first (25 days)$339.65
Fees + prepaids$10,864.65
Your down payment is the seller’s equity. You take over the $127,152 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $268,612.58 is due at closing. Uses and sources reconcile at $395,764.65 each. Not a Closing Disclosure.