Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$244,297Cash toward the purchase price.
Closing costs + prepaids$10,691Not just lender fees.
Before credits & paid funds$254,987The complete starting cash picture.
Estimated remaining funds due at closing
$254,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,296.54
Your down payment$244,296.54
Closing costs + prepaids$10,690.83
Total buyer cash needed$254,987.38
Remaining funds due$254,987.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.90
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)$288.00
Prepaid interest, first (26 days)$377.93
Fees + prepaids$10,690.83
Your down payment is the seller’s equity. You take over the $135,693 balance, so the rest of the $379,990 price is paid at closing. A second mortgage can cover part of it. $254,987.38 is due at closing. Uses and sources reconcile at $390,680.83 each. Not a Closing Disclosure.