Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$250,282Cash toward the purchase price.
Closing costs + prepaids$9,095Not just lender fees.
Before credits & paid funds$259,377The complete starting cash picture.
Estimated remaining funds due at closing
$259,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,282.18
Your down payment$250,282.18
Closing costs + prepaids$9,094.66
Total buyer cash needed$259,376.83
Remaining funds due$259,376.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$176.25
Prepaid interest, first (1 days)$3.41
Fees + prepaids$9,094.66
Your down payment is the seller’s equity. You take over the $18,718 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $259,376.83 is due at closing. Uses and sources reconcile at $278,094.66 each. Not a Closing Disclosure.