Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$249,910Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$260,205The complete starting cash picture.
Estimated remaining funds due at closing
$260,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,909.54
Your down payment$249,909.54
Closing costs + prepaids$10,295.32
Total buyer cash needed$260,204.87
Remaining funds due$260,204.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$701.25
Prepaid interest, first (2 days)$29.07
Fees + prepaids$10,295.32
Your down payment is the seller’s equity. You take over the $84,090 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $260,204.87 is due at closing. Uses and sources reconcile at $344,295.32 each. Not a Closing Disclosure.