Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$210,378Cash toward the purchase price.
Closing costs + prepaids$9,382Not just lender fees.
Before credits & paid funds$219,761The complete starting cash picture.
Estimated remaining funds due at closing
$219,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,378.49
Your down payment$210,378.49
Closing costs + prepaids$9,382.15
Total buyer cash needed$219,760.64
Remaining funds due$219,760.64
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)$637.50
Prepaid interest, first (5 days)$19.65
Fees + prepaids$9,382.15
Your down payment is the seller’s equity. You take over the $39,622 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $219,760.64 is due at closing. Uses and sources reconcile at $259,382.15 each. Not a Closing Disclosure.