Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,839Cash toward the purchase price.
Closing costs + prepaids$9,193Not just lender fees.
Before credits & paid funds$205,033The complete starting cash picture.
Estimated remaining funds due at closing
$205,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,839.47
Your down payment$195,839.47
Closing costs + prepaids$9,193.35
Total buyer cash needed$205,032.83
Remaining funds due$205,032.83
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)$248.00
Prepaid interest, first (27 days)$220.35
Fees + prepaids$9,193.35
Your down payment is the seller’s equity. You take over the $54,161 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $205,032.83 is due at closing. Uses and sources reconcile at $259,193.35 each. Not a Closing Disclosure.