Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$207,638Cash toward the purchase price.
Closing costs + prepaids$9,779Not just lender fees.
Before credits & paid funds$217,417The complete starting cash picture.
Estimated remaining funds due at closing
$217,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,638.09
Your down payment$207,638.09
Closing costs + prepaids$9,779.39
Total buyer cash needed$217,417.48
Remaining funds due$217,417.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$428.75
Prepaid interest, first (31 days)$235.64
Fees + prepaids$9,779.39
Your down payment is the seller’s equity. You take over the $81,362 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $217,417.48 is due at closing. Uses and sources reconcile at $298,779.39 each. Not a Closing Disclosure.