Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$183,250Cash toward the purchase price.
Closing costs + prepaids$9,278Not just lender fees.
Before credits & paid funds$192,528The complete starting cash picture.
Estimated remaining funds due at closing
$192,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,249.63
Your down payment$183,249.63
Closing costs + prepaids$9,278.16
Total buyer cash needed$192,527.79
Remaining funds due$192,527.79
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)$349.25
Prepaid interest, first (25 days)$213.91
Fees + prepaids$9,278.16
Your down payment is the seller’s equity. You take over the $65,750 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $192,527.79 is due at closing. Uses and sources reconcile at $258,278.16 each. Not a Closing Disclosure.