Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$192,559Cash toward the purchase price.
Closing costs + prepaids$9,148Not just lender fees.
Before credits & paid funds$201,707The complete starting cash picture.
Estimated remaining funds due at closing
$201,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,559.01
Your down payment$192,559.01
Closing costs + prepaids$9,148.40
Total buyer cash needed$201,707.41
Remaining funds due$201,707.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$306.00
Prepaid interest, first (10 days)$67.40
Fees + prepaids$9,148.40
Your down payment is the seller’s equity. You take over the $62,441 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $201,707.41 is due at closing. Uses and sources reconcile at $264,148.40 each. Not a Closing Disclosure.