Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,988Cash toward the purchase price.
Closing costs + prepaids$9,481Not just lender fees.
Before credits & paid funds$203,469The complete starting cash picture.
Estimated remaining funds due at closing
$203,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,988.05
Your down payment$193,988.05
Closing costs + prepaids$9,480.80
Total buyer cash needed$203,468.86
Remaining funds due$203,468.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,479.00
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)$619.75
Prepaid interest, first (31 days)$157.05
Fees + prepaids$9,480.80
Your down payment is the seller’s equity. You take over the $53,912 balance, so the rest of the $247,900 price is paid at closing. A second mortgage can cover part of it. $203,468.86 is due at closing. Uses and sources reconcile at $257,380.80 each. Not a Closing Disclosure.