Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$218,563Cash toward the purchase price.
Closing costs + prepaids$9,448Not just lender fees.
Before credits & paid funds$228,010The complete starting cash picture.
Estimated remaining funds due at closing
$228,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,562.57
Your down payment$218,562.57
Closing costs + prepaids$9,447.90
Total buyer cash needed$228,010.47
Remaining funds due$228,010.47
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)$673.25
Prepaid interest, first (23 days)$59.65
Fees + prepaids$9,447.90
Your down payment is the seller’s equity. You take over the $30,437 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $228,010.47 is due at closing. Uses and sources reconcile at $258,447.90 each. Not a Closing Disclosure.