Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$202,966Cash toward the purchase price.
Closing costs + prepaids$9,149Not just lender fees.
Before credits & paid funds$212,116The complete starting cash picture.
Estimated remaining funds due at closing
$212,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,966.39
Your down payment$202,966.39
Closing costs + prepaids$9,149.41
Total buyer cash needed$212,115.80
Remaining funds due$212,115.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$229.25
Prepaid interest, first (27 days)$196.16
Fees + prepaids$9,149.41
Your down payment is the seller’s equity. You take over the $46,934 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $212,115.80 is due at closing. Uses and sources reconcile at $259,049.41 each. Not a Closing Disclosure.