Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$210,979Cash toward the purchase price.
Closing costs + prepaids$9,107Not just lender fees.
Before credits & paid funds$220,085The complete starting cash picture.
Estimated remaining funds due at closing
$220,085No 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$9,106.77
Total buyer cash needed$220,085.47
Remaining funds due$220,085.47
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 (9 days)$37.02
Fees + prepaids$9,106.77
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. $220,085.47 is due at closing. Uses and sources reconcile at $263,106.77 each. Not a Closing Disclosure.