Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$210,979Cash toward the purchase price.
Closing costs + prepaids$9,111Not just lender fees.
Before credits & paid funds$220,090The complete starting cash picture.
Estimated remaining funds due at closing
$220,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,978.70
Your down payment$210,978.70
Closing costs + prepaids$9,110.89
Total buyer cash needed$220,089.58
Remaining funds due$220,089.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$304.75
Prepaid interest, first (10 days)$41.14
Fees + prepaids$9,110.89
Your down payment is the seller’s equity. You take over the $43,021 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $220,089.58 is due at closing. Uses and sources reconcile at $263,110.89 each. Not a Closing Disclosure.