Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$246,948Cash toward the purchase price.
Closing costs + prepaids$10,086Not just lender fees.
Before credits & paid funds$257,033The complete starting cash picture.
Estimated remaining funds due at closing
$257,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,947.82
Your down payment$246,947.82
Closing costs + prepaids$10,085.54
Total buyer cash needed$257,033.36
Remaining funds due$257,033.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.97
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)$406.25
Prepaid interest, first (15 days)$204.32
Fees + prepaids$10,085.54
Your down payment is the seller’s equity. You take over the $78,049 balance, so the rest of the $324,997 price is paid at closing. A second mortgage can cover part of it. $257,033.36 is due at closing. Uses and sources reconcile at $335,082.54 each. Not a Closing Disclosure.