Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$246,304Cash toward the purchase price.
Closing costs + prepaids$9,123Not just lender fees.
Before credits & paid funds$255,427The complete starting cash picture.
Estimated remaining funds due at closing
$255,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,303.84
Your down payment$246,303.84
Closing costs + prepaids$9,122.67
Total buyer cash needed$255,426.51
Remaining funds due$255,426.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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 (21 days)$71.42
Fees + prepaids$9,122.67
Your down payment is the seller’s equity. You take over the $18,696 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $255,426.51 is due at closing. Uses and sources reconcile at $274,122.67 each. Not a Closing Disclosure.