Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,330Cash toward the purchase price.
Closing costs + prepaids$9,105Not just lender fees.
Before credits & paid funds$230,435The complete starting cash picture.
Estimated remaining funds due at closing
$230,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,329.81
Your down payment$221,329.81
Closing costs + prepaids$9,105.28
Total buyer cash needed$230,435.10
Remaining funds due$230,435.10
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)$292.75
Prepaid interest, first (28 days)$87.53
Fees + prepaids$9,105.28
Your down payment is the seller’s equity. You take over the $28,670 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $230,435.10 is due at closing. Uses and sources reconcile at $259,105.28 each. Not a Closing Disclosure.