Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,132Cash toward the purchase price.
Closing costs + prepaids$9,712Not just lender fees.
Before credits & paid funds$15,844The complete starting cash picture.
Estimated remaining funds due at closing
$15,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,132.13
Your down payment$6,132.13
Closing costs + prepaids$9,712.33
Total buyer cash needed$15,844.46
Remaining funds due$15,844.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$375.50
Prepaid interest, first (31 days)$612.83
Fees + prepaids$9,712.33
Your down payment is the seller’s equity. You take over the $243,768 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $15,844.46 is due at closing. Uses and sources reconcile at $259,612.33 each. Not a Closing Disclosure.