Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$208,565Cash toward the purchase price.
Closing costs + prepaids$10,610Not just lender fees.
Before credits & paid funds$219,175The complete starting cash picture.
Estimated remaining funds due at closing
$219,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,565.10
Your down payment$208,565.10
Closing costs + prepaids$10,610.34
Total buyer cash needed$219,175.44
Remaining funds due$219,175.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,780.00
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)$1,285.75
Prepaid interest, first (24 days)$319.59
Fees + prepaids$10,610.34
Your down payment is the seller’s equity. You take over the $69,435 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $219,175.44 is due at closing. Uses and sources reconcile at $288,610.34 each. Not a Closing Disclosure.