Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$188,562Cash toward the purchase price.
Closing costs + prepaids$9,250Not just lender fees.
Before credits & paid funds$197,812The complete starting cash picture.
Estimated remaining funds due at closing
$197,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,561.95
Your down payment$188,561.95
Closing costs + prepaids$9,249.85
Total buyer cash needed$197,811.80
Remaining funds due$197,811.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$326.25
Prepaid interest, first (27 days)$198.60
Fees + prepaids$9,249.85
Your down payment is the seller’s equity. You take over the $61,438 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $197,811.80 is due at closing. Uses and sources reconcile at $259,249.85 each. Not a Closing Disclosure.