Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$200,818Cash toward the purchase price.
Closing costs + prepaids$9,509Not just lender fees.
Before credits & paid funds$210,327The complete starting cash picture.
Estimated remaining funds due at closing
$210,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,817.53
Your down payment$200,817.53
Closing costs + prepaids$9,509.42
Total buyer cash needed$210,326.95
Remaining funds due$210,326.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,597.00
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)$662.25
Prepaid interest, first (5 days)$25.17
Fees + prepaids$9,509.42
Your down payment is the seller’s equity. You take over the $58,882 balance, so the rest of the $259,700 price is paid at closing. A second mortgage can cover part of it. $210,326.95 is due at closing. Uses and sources reconcile at $269,209.42 each. Not a Closing Disclosure.