Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$207,184Cash toward the purchase price.
Closing costs + prepaids$9,490Not just lender fees.
Before credits & paid funds$216,674The complete starting cash picture.
Estimated remaining funds due at closing
$216,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,183.91
Your down payment$207,183.91
Closing costs + prepaids$9,490.23
Total buyer cash needed$216,674.13
Remaining funds due$216,674.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,475.00
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)$194.25
Initial HOA (3 months)$480.00
Prepaid interest, first (20 days)$115.98
Fees + prepaids$9,490.23
Your down payment is the seller’s equity. You take over the $40,316 balance, so the rest of the $247,500 price is paid at closing. A second mortgage can cover part of it. $216,674.13 is due at closing. Uses and sources reconcile at $256,990.23 each. Not a Closing Disclosure.