Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$5,200Cash toward the purchase price.
Closing costs + prepaids$10,656Not just lender fees.
Before credits & paid funds$15,855The complete starting cash picture.
Estimated remaining funds due at closing
$15,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,199.64
Your down payment$5,199.64
Closing costs + prepaids$10,655.83
Total buyer cash needed$15,855.46
Remaining funds due$15,855.46
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)$625.00
Prepaid interest, first (30 days)$1,305.83
Fees + prepaids$10,655.83
Your down payment is the seller’s equity. You take over the $244,800 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $15,855.46 is due at closing. Uses and sources reconcile at $260,655.83 each. Not a Closing Disclosure.