Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$85,249Cash toward the purchase price.
Closing costs + prepaids$9,676Not just lender fees.
Before credits & paid funds$94,925The complete starting cash picture.
Estimated remaining funds due at closing
$94,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,248.86
Your down payment$85,248.86
Closing costs + prepaids$9,676.34
Total buyer cash needed$94,925.20
Remaining funds due$94,925.20
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)$608.75
Prepaid interest, first (23 days)$342.59
Fees + prepaids$9,676.34
Your down payment is the seller’s equity. You take over the $164,751 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $94,925.20 is due at closing. Uses and sources reconcile at $259,676.34 each. Not a Closing Disclosure.