Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$220,254Cash toward the purchase price.
Closing costs + prepaids$10,013Not just lender fees.
Before credits & paid funds$230,267The complete starting cash picture.
Estimated remaining funds due at closing
$230,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,253.95
Your down payment$220,253.95
Closing costs + prepaids$10,013.32
Total buyer cash needed$230,267.26
Remaining funds due$230,267.26
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)$1,085.25
Initial HOA (3 months)$99.99
Prepaid interest, first (31 days)$103.08
Fees + prepaids$10,013.32
Your down payment is the seller’s equity. You take over the $29,746 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $230,267.26 is due at closing. Uses and sources reconcile at $260,013.32 each. Not a Closing Disclosure.