Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$208,707Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$218,652The complete starting cash picture.
Estimated remaining funds due at closing
$218,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,706.50
Your down payment$208,706.50
Closing costs + prepaids$9,945.27
Total buyer cash needed$218,651.77
Remaining funds due$218,651.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$565.75
Initial HOA (3 months)$471.00
Prepaid interest, first (25 days)$184.52
Fees + prepaids$9,945.27
Your down payment is the seller’s equity. You take over the $41,193 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $218,651.77 is due at closing. Uses and sources reconcile at $259,845.27 each. Not a Closing Disclosure.