Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$212,648Cash toward the purchase price.
Closing costs + prepaids$9,226Not just lender fees.
Before credits & paid funds$221,875The complete starting cash picture.
Estimated remaining funds due at closing
$221,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,648.27
Your down payment$212,648.27
Closing costs + prepaids$9,226.46
Total buyer cash needed$221,874.73
Remaining funds due$221,874.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$165.00
Prepaid interest, first (26 days)$186.46
Fees + prepaids$9,226.46
Your down payment is the seller’s equity. You take over the $52,352 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $221,874.73 is due at closing. Uses and sources reconcile at $274,226.46 each. Not a Closing Disclosure.