Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$238,813Cash toward the purchase price.
Closing costs + prepaids$9,772Not just lender fees.
Before credits & paid funds$248,585The complete starting cash picture.
Estimated remaining funds due at closing
$248,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,813.22
Your down payment$238,813.22
Closing costs + prepaids$9,772.16
Total buyer cash needed$248,585.38
Remaining funds due$248,585.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$910.50
Prepaid interest, first (30 days)$87.66
Fees + prepaids$9,772.16
Your down payment is the seller’s equity. You take over the $16,087 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $248,585.38 is due at closing. Uses and sources reconcile at $264,672.16 each. Not a Closing Disclosure.