Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$255,244Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$266,128The complete starting cash picture.
Estimated remaining funds due at closing
$266,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,244.38
Your down payment$255,244.38
Closing costs + prepaids$10,883.55
Total buyer cash needed$266,127.93
Remaining funds due$266,127.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$493.75
Prepaid interest, first (17 days)$214.80
Fees + prepaids$10,883.55
Your down payment is the seller’s equity. You take over the $139,756 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $266,127.93 is due at closing. Uses and sources reconcile at $405,883.55 each. Not a Closing Disclosure.