Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$216,297Cash toward the purchase price.
Closing costs + prepaids$9,167Not just lender fees.
Before credits & paid funds$225,464The complete starting cash picture.
Estimated remaining funds due at closing
$225,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,296.79
Your down payment$216,296.79
Closing costs + prepaids$9,167.39
Total buyer cash needed$225,464.19
Remaining funds due$225,464.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$287.25
Prepaid interest, first (26 days)$106.14
Fees + prepaids$9,167.39
Your down payment is the seller’s equity. You take over the $38,603 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $225,464.19 is due at closing. Uses and sources reconcile at $264,067.39 each. Not a Closing Disclosure.