Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$207,184Cash toward the purchase price.
Closing costs + prepaids$9,535Not just lender fees.
Before credits & paid funds$216,719The complete starting cash picture.
Estimated remaining funds due at closing
$216,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,183.91
Your down payment$207,183.91
Closing costs + prepaids$9,534.99
Total buyer cash needed$216,718.90
Remaining funds due$216,718.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,475.00
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)$297.00
Initial HOA (3 months)$480.00
Prepaid interest, first (10 days)$57.99
Fees + prepaids$9,534.99
Your down payment is the seller’s equity. You take over the $40,316 balance, so the rest of the $247,500 price is paid at closing. A second mortgage can cover part of it. $216,718.90 is due at closing. Uses and sources reconcile at $257,034.99 each. Not a Closing Disclosure.