Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$253,657Cash toward the purchase price.
Closing costs + prepaids$9,217Not just lender fees.
Before credits & paid funds$262,873The complete starting cash picture.
Estimated remaining funds due at closing
$262,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,656.51
Your down payment$253,656.51
Closing costs + prepaids$9,216.53
Total buyer cash needed$262,873.04
Remaining funds due$262,873.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.29
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)$263.75
Prepaid interest, first (18 days)$28.49
Fees + prepaids$9,216.53
Your down payment is the seller’s equity. You take over the $16,272 balance, so the rest of the $269,929 price is paid at closing. A second mortgage can cover part of it. $262,873.04 is due at closing. Uses and sources reconcile at $279,145.53 each. Not a Closing Disclosure.