Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$216,138Cash toward the purchase price.
Closing costs + prepaids$9,592Not just lender fees.
Before credits & paid funds$225,731The complete starting cash picture.
Estimated remaining funds due at closing
$225,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,138.23
Your down payment$216,138.23
Closing costs + prepaids$9,592.38
Total buyer cash needed$225,730.60
Remaining funds due$225,730.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$647.50
Prepaid interest, first (28 days)$129.88
Fees + prepaids$9,592.38
Your down payment is the seller’s equity. You take over the $42,862 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $225,730.60 is due at closing. Uses and sources reconcile at $268,592.38 each. Not a Closing Disclosure.