Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,540Cash toward the purchase price.
Closing costs + prepaids$9,875Not just lender fees.
Before credits & paid funds$204,416The complete starting cash picture.
Estimated remaining funds due at closing
$204,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,540.37
Your down payment$194,540.37
Closing costs + prepaids$9,875.32
Total buyer cash needed$204,415.69
Remaining funds due$204,415.69
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)$662.50
Prepaid interest, first (28 days)$337.82
Fees + prepaids$9,875.32
Your down payment is the seller’s equity. You take over the $70,460 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $204,415.69 is due at closing. Uses and sources reconcile at $274,875.32 each. Not a Closing Disclosure.