Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,746Cash toward the purchase price.
Closing costs + prepaids$11,820Not just lender fees.
Before credits & paid funds$13,566The complete starting cash picture.
Estimated remaining funds due at closing
$13,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,746.00
Your down payment$1,746.00
Closing costs + prepaids$11,819.80
Total buyer cash needed$13,565.79
Remaining funds due$13,565.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.50
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)$1,565.00
Prepaid interest, first (29 days)$1,530.30
Fees + prepaids$11,819.80
Your down payment is the seller’s equity. You take over the $248,204 balance, so the rest of the $249,950 price is paid at closing. A second mortgage can cover part of it. $13,565.79 is due at closing. Uses and sources reconcile at $261,769.80 each. Not a Closing Disclosure.