Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$254,248Cash toward the purchase price.
Closing costs + prepaids$11,250Not just lender fees.
Before credits & paid funds$265,498The complete starting cash picture.
Estimated remaining funds due at closing
$265,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,248.02
Your down payment$254,248.02
Closing costs + prepaids$11,250.35
Total buyer cash needed$265,498.37
Remaining funds due$265,498.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$1,332.75
Prepaid interest, first (30 days)$393.60
Fees + prepaids$11,250.35
Your down payment is the seller’s equity. You take over the $75,652 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $265,498.37 is due at closing. Uses and sources reconcile at $341,150.35 each. Not a Closing Disclosure.