Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$197,783Cash toward the purchase price.
Closing costs + prepaids$8,925Not just lender fees.
Before credits & paid funds$206,709The complete starting cash picture.
Estimated remaining funds due at closing
$206,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,783.47
Your down payment$197,783.47
Closing costs + prepaids$8,925.08
Total buyer cash needed$206,708.55
Remaining funds due$206,708.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,470.00
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)$88.50
Prepaid interest, first (20 days)$141.58
Fees + prepaids$8,925.08
Your down payment is the seller’s equity. You take over the $49,217 balance, so the rest of the $247,000 price is paid at closing. A second mortgage can cover part of it. $206,708.55 is due at closing. Uses and sources reconcile at $255,925.08 each. Not a Closing Disclosure.