Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$8,177Cash toward the purchase price.
Closing costs + prepaids$10,285Not just lender fees.
Before credits & paid funds$18,462The complete starting cash picture.
Estimated remaining funds due at closing
$18,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,176.95
Your down payment$8,176.95
Closing costs + prepaids$10,285.49
Total buyer cash needed$18,462.44
Remaining funds due$18,462.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$294.00
Prepaid interest, first (27 days)$1,266.49
Fees + prepaids$10,285.49
Your down payment is the seller’s equity. You take over the $241,823 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $18,462.44 is due at closing. Uses and sources reconcile at $260,285.49 each. Not a Closing Disclosure.