Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$248,953Cash toward the purchase price.
Closing costs + prepaids$9,744Not just lender fees.
Before credits & paid funds$258,697The complete starting cash picture.
Estimated remaining funds due at closing
$258,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,953.02
Your down payment$248,953.02
Closing costs + prepaids$9,744.16
Total buyer cash needed$258,697.18
Remaining funds due$258,697.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$375.00
Prepaid interest, first (16 days)$145.16
Fees + prepaids$9,744.16
Your down payment is the seller’s equity. You take over the $50,947 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $258,697.18 is due at closing. Uses and sources reconcile at $309,644.16 each. Not a Closing Disclosure.