Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$194,681Cash toward the purchase price.
Closing costs + prepaids$9,406Not just lender fees.
Before credits & paid funds$204,087The complete starting cash picture.
Estimated remaining funds due at closing
$204,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,680.86
Your down payment$194,680.86
Closing costs + prepaids$9,405.88
Total buyer cash needed$204,086.74
Remaining funds due$204,086.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$314.75
Prepaid interest, first (23 days)$267.13
Fees + prepaids$9,405.88
Your down payment is the seller’s equity. You take over the $65,219 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $204,086.74 is due at closing. Uses and sources reconcile at $269,305.88 each. Not a Closing Disclosure.