Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$250,998Cash toward the purchase price.
Closing costs + prepaids$15,268Not just lender fees.
Before credits & paid funds$266,265The complete starting cash picture.
Estimated remaining funds due at closing
$266,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,997.67
Your down payment$250,997.67
Closing costs + prepaids$15,267.52
Total buyer cash needed$266,265.18
Remaining funds due$266,265.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (16 days)$1,256.02
Fees + prepaids$15,267.52
Your down payment is the seller’s equity. You take over the $418,902 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $266,265.18 is due at closing. Uses and sources reconcile at $685,167.52 each. Not a Closing Disclosure.