Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$192,345Cash toward the purchase price.
Closing costs + prepaids$9,084Not just lender fees.
Before credits & paid funds$201,429The complete starting cash picture.
Estimated remaining funds due at closing
$201,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,344.51
Your down payment$192,344.51
Closing costs + prepaids$9,084.39
Total buyer cash needed$201,428.90
Remaining funds due$201,428.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$300.00
Prepaid interest, first (10 days)$59.39
Fees + prepaids$9,084.39
Your down payment is the seller’s equity. You take over the $57,655 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $201,428.90 is due at closing. Uses and sources reconcile at $259,084.39 each. Not a Closing Disclosure.