Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$251,799Cash toward the purchase price.
Closing costs + prepaids$10,871Not just lender fees.
Before credits & paid funds$262,670The complete starting cash picture.
Estimated remaining funds due at closing
$262,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,799.08
Your down payment$251,799.08
Closing costs + prepaids$10,870.93
Total buyer cash needed$262,670.02
Remaining funds due$262,670.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$470.50
Prepaid interest, first (10 days)$255.43
Fees + prepaids$10,870.93
Your down payment is the seller’s equity. You take over the $140,201 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $262,670.02 is due at closing. Uses and sources reconcile at $402,870.93 each. Not a Closing Disclosure.