Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$198,890Cash toward the purchase price.
Closing costs + prepaids$10,571Not just lender fees.
Before credits & paid funds$209,461The complete starting cash picture.
Estimated remaining funds due at closing
$209,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,889.86
Your down payment$198,889.86
Closing costs + prepaids$10,571.12
Total buyer cash needed$209,460.99
Remaining funds due$209,460.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$300.00
Initial HOA (3 months)$1,500.00
Prepaid interest, first (6 days)$47.12
Fees + prepaids$10,571.12
Your down payment is the seller’s equity. You take over the $51,010 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $209,460.99 is due at closing. Uses and sources reconcile at $260,471.12 each. Not a Closing Disclosure.