Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$197,497Cash toward the purchase price.
Closing costs + prepaids$9,718Not just lender fees.
Before credits & paid funds$207,215The complete starting cash picture.
Estimated remaining funds due at closing
$207,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,496.73
Your down payment$197,496.73
Closing costs + prepaids$9,718.25
Total buyer cash needed$207,214.98
Remaining funds due$207,214.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,800.00
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)$448.00
Prepaid interest, first (25 days)$245.25
Fees + prepaids$9,718.25
Your down payment is the seller’s equity. You take over the $82,503 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $207,214.98 is due at closing. Uses and sources reconcile at $289,718.25 each. Not a Closing Disclosure.