Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$200,494Cash toward the purchase price.
Closing costs + prepaids$9,818Not just lender fees.
Before credits & paid funds$210,312The complete starting cash picture.
Estimated remaining funds due at closing
$210,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,494.36
Your down payment$200,494.36
Closing costs + prepaids$9,817.64
Total buyer cash needed$210,312.01
Remaining funds due$210,312.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$989.50
Prepaid interest, first (2 days)$13.14
Fees + prepaids$9,817.64
Your down payment is the seller’s equity. You take over the $58,506 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $210,312.01 is due at closing. Uses and sources reconcile at $268,817.64 each. Not a Closing Disclosure.