Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$198,782Cash toward the purchase price.
Closing costs + prepaids$9,631Not just lender fees.
Before credits & paid funds$208,413The complete starting cash picture.
Estimated remaining funds due at closing
$208,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,782.04
Your down payment$198,782.04
Closing costs + prepaids$9,631.24
Total buyer cash needed$208,413.27
Remaining funds due$208,413.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$446.25
Prepaid interest, first (24 days)$209.99
Fees + prepaids$9,631.24
Your down payment is the seller’s equity. You take over the $76,218 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $208,413.27 is due at closing. Uses and sources reconcile at $284,631.24 each. Not a Closing Disclosure.