Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$248,941Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$262,911The complete starting cash picture.
Estimated remaining funds due at closing
$262,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,941.01
Your down payment$248,941.01
Closing costs + prepaids$13,969.65
Total buyer cash needed$262,910.67
Remaining funds due$262,910.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,329.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,332.50
Prepaid interest, first (29 days)$832.65
Fees + prepaids$13,969.65
Your down payment is the seller’s equity. You take over the $284,009 balance, so the rest of the $532,950 price is paid at closing. A second mortgage can cover part of it. $262,910.67 is due at closing. Uses and sources reconcile at $546,919.65 each. Not a Closing Disclosure.