Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$249,080Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$260,896The complete starting cash picture.
Estimated remaining funds due at closing
$260,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,079.99
Your down payment$249,079.99
Closing costs + prepaids$11,815.66
Total buyer cash needed$260,895.64
Remaining funds due$260,895.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$1,305.00
Prepaid interest, first (2 days)$35.67
Fees + prepaids$11,815.66
Your down payment is the seller’s equity. You take over the $175,919 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $260,895.64 is due at closing. Uses and sources reconcile at $436,814.66 each. Not a Closing Disclosure.