Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$258,161Cash toward the purchase price.
Closing costs + prepaids$9,997Not just lender fees.
Before credits & paid funds$268,158The complete starting cash picture.
Estimated remaining funds due at closing
$268,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,161.02
Your down payment$258,161.02
Closing costs + prepaids$9,996.75
Total buyer cash needed$268,157.77
Remaining funds due$268,157.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$390.00
Prepaid interest, first (12 days)$132.75
Fees + prepaids$9,996.75
Your down payment is the seller’s equity. You take over the $66,739 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $268,157.77 is due at closing. Uses and sources reconcile at $334,896.75 each. Not a Closing Disclosure.