Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$220,501Cash toward the purchase price.
Closing costs + prepaids$10,380Not just lender fees.
Before credits & paid funds$230,882The complete starting cash picture.
Estimated remaining funds due at closing
$230,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,501.33
Your down payment$220,501.33
Closing costs + prepaids$10,380.25
Total buyer cash needed$230,881.58
Remaining funds due$230,881.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$1,544.75
Prepaid interest, first (23 days)$120.50
Fees + prepaids$10,380.25
Your down payment is the seller’s equity. You take over the $28,499 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $230,881.58 is due at closing. Uses and sources reconcile at $259,380.25 each. Not a Closing Disclosure.