Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$221,169Cash toward the purchase price.
Closing costs + prepaids$9,592Not just lender fees.
Before credits & paid funds$230,760The complete starting cash picture.
Estimated remaining funds due at closing
$230,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,168.86
Your down payment$221,168.86
Closing costs + prepaids$9,591.60
Total buyer cash needed$230,760.45
Remaining funds due$230,760.45
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)$796.25
Prepaid interest, first (22 days)$71.35
Fees + prepaids$9,591.60
Your down payment is the seller’s equity. You take over the $28,731 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $230,760.45 is due at closing. Uses and sources reconcile at $259,491.60 each. Not a Closing Disclosure.