Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$198,890Cash toward the purchase price.
Closing costs + prepaids$10,968Not just lender fees.
Before credits & paid funds$209,858The complete starting cash picture.
Estimated remaining funds due at closing
$209,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,889.86
Your down payment$198,889.86
Closing costs + prepaids$10,968.46
Total buyer cash needed$209,858.32
Remaining funds due$209,858.32
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)$540.25
Initial HOA (3 months)$1,500.00
Prepaid interest, first (26 days)$204.21
Fees + prepaids$10,968.46
Your down payment is the seller’s equity. You take over the $51,010 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $209,858.32 is due at closing. Uses and sources reconcile at $260,868.46 each. Not a Closing Disclosure.