Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$247,910Cash toward the purchase price.
Closing costs + prepaids$9,028Not just lender fees.
Before credits & paid funds$256,938The complete starting cash picture.
Estimated remaining funds due at closing
$256,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,909.82
Your down payment$247,909.82
Closing costs + prepaids$9,028.00
Total buyer cash needed$256,937.83
Remaining funds due$256,937.83
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)$300.00
Prepaid interest, first (12 days)$4.00
Fees + prepaids$9,028.00
Your down payment is the seller’s equity. You take over the $1,990 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $256,937.83 is due at closing. Uses and sources reconcile at $258,928.00 each. Not a Closing Disclosure.