Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,518Cash toward the purchase price.
Closing costs + prepaids$9,446Not just lender fees.
Before credits & paid funds$208,964The complete starting cash picture.
Estimated remaining funds due at closing
$208,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,518.20
Your down payment$199,518.20
Closing costs + prepaids$9,445.65
Total buyer cash needed$208,963.86
Remaining funds due$208,963.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$625.00
Prepaid interest, first (26 days)$95.65
Fees + prepaids$9,445.65
Your down payment is the seller’s equity. You take over the $50,482 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $208,963.86 is due at closing. Uses and sources reconcile at $259,445.65 each. Not a Closing Disclosure.