Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$196,838Cash toward the purchase price.
Closing costs + prepaids$9,595Not just lender fees.
Before credits & paid funds$206,433The complete starting cash picture.
Estimated remaining funds due at closing
$206,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,838.13
Your down payment$196,838.13
Closing costs + prepaids$9,595.19
Total buyer cash needed$206,433.32
Remaining funds due$206,433.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$856.75
Prepaid interest, first (25 days)$114.44
Fees + prepaids$9,595.19
Your down payment is the seller’s equity. You take over the $43,062 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $206,433.32 is due at closing. Uses and sources reconcile at $249,495.19 each. Not a Closing Disclosure.