Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$189,536Cash toward the purchase price.
Closing costs + prepaids$10,750Not just lender fees.
Before credits & paid funds$200,285The complete starting cash picture.
Estimated remaining funds due at closing
$200,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,535.60
Your down payment$189,535.60
Closing costs + prepaids$10,749.75
Total buyer cash needed$200,285.36
Remaining funds due$200,285.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,480.00
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)$472.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (28 days)$222.00
Fees + prepaids$10,749.75
Your down payment is the seller’s equity. You take over the $58,464 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $200,285.36 is due at closing. Uses and sources reconcile at $258,749.75 each. Not a Closing Disclosure.