Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$208,565Cash toward the purchase price.
Closing costs + prepaids$9,781Not just lender fees.
Before credits & paid funds$218,346The complete starting cash picture.
Estimated remaining funds due at closing
$218,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,565.10
Your down payment$208,565.10
Closing costs + prepaids$9,780.58
Total buyer cash needed$218,345.68
Remaining funds due$218,345.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,780.00
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)$709.00
Prepaid interest, first (5 days)$66.58
Fees + prepaids$9,780.58
Your down payment is the seller’s equity. You take over the $69,435 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $218,345.68 is due at closing. Uses and sources reconcile at $287,780.58 each. Not a Closing Disclosure.