Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$205,820Cash toward the purchase price.
Closing costs + prepaids$9,758Not just lender fees.
Before credits & paid funds$215,578The complete starting cash picture.
Estimated remaining funds due at closing
$215,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,819.84
Your down payment$205,819.84
Closing costs + prepaids$9,758.14
Total buyer cash needed$215,577.98
Remaining funds due$215,577.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,630.00
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)$657.50
Prepaid interest, first (28 days)$245.64
Fees + prepaids$9,758.14
Your down payment is the seller’s equity. You take over the $57,180 balance, so the rest of the $263,000 price is paid at closing. A second mortgage can cover part of it. $215,577.98 is due at closing. Uses and sources reconcile at $272,758.14 each. Not a Closing Disclosure.