Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$218,582Cash toward the purchase price.
Closing costs + prepaids$9,256Not just lender fees.
Before credits & paid funds$227,838The complete starting cash picture.
Estimated remaining funds due at closing
$227,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,581.83
Your down payment$218,581.83
Closing costs + prepaids$9,256.28
Total buyer cash needed$227,838.11
Remaining funds due$227,838.11
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)$384.50
Prepaid interest, first (29 days)$146.78
Fees + prepaids$9,256.28
Your down payment is the seller’s equity. You take over the $31,418 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $227,838.11 is due at closing. Uses and sources reconcile at $259,256.28 each. Not a Closing Disclosure.