Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$194,562Cash toward the purchase price.
Closing costs + prepaids$9,022Not just lender fees.
Before credits & paid funds$203,583The complete starting cash picture.
Estimated remaining funds due at closing
$203,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,561.74
Your down payment$194,561.74
Closing costs + prepaids$9,021.75
Total buyer cash needed$203,583.49
Remaining funds due$203,583.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$199.00
Prepaid interest, first (27 days)$147.75
Fees + prepaids$9,021.75
Your down payment is the seller’s equity. You take over the $50,438 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $203,583.49 is due at closing. Uses and sources reconcile at $254,021.75 each. Not a Closing Disclosure.