Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,979Cash toward the purchase price.
Closing costs + prepaids$8,982Not just lender fees.
Before credits & paid funds$219,960The complete starting cash picture.
Estimated remaining funds due at closing
$219,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,978.70
Your down payment$210,978.70
Closing costs + prepaids$8,981.59
Total buyer cash needed$219,960.28
Remaining funds due$219,960.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$113.75
Prepaid interest, first (25 days)$102.84
Fees + prepaids$8,981.59
Your down payment is the seller’s equity. You take over the $43,021 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $219,960.28 is due at closing. Uses and sources reconcile at $262,981.59 each. Not a Closing Disclosure.