Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$206,731Cash toward the purchase price.
Closing costs + prepaids$9,229Not just lender fees.
Before credits & paid funds$215,960The complete starting cash picture.
Estimated remaining funds due at closing
$215,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,731.30
Your down payment$206,731.30
Closing costs + prepaids$9,228.85
Total buyer cash needed$215,960.16
Remaining funds due$215,960.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$232.50
Prepaid interest, first (24 days)$172.35
Fees + prepaids$9,228.85
Your down payment is the seller’s equity. You take over the $53,169 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $215,960.16 is due at closing. Uses and sources reconcile at $269,128.85 each. Not a Closing Disclosure.