Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$251,799Cash toward the purchase price.
Closing costs + prepaids$11,214Not just lender fees.
Before credits & paid funds$263,013The complete starting cash picture.
Estimated remaining funds due at closing
$263,013No 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$11,214.08
Total buyer cash needed$263,013.16
Remaining funds due$263,013.16
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)$583.75
Prepaid interest, first (19 days)$485.33
Fees + prepaids$11,214.08
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. $263,013.16 is due at closing. Uses and sources reconcile at $403,214.08 each. Not a Closing Disclosure.