Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$196,702Cash toward the purchase price.
Closing costs + prepaids$9,311Not just lender fees.
Before credits & paid funds$206,014The complete starting cash picture.
Estimated remaining funds due at closing
$206,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,702.45
Your down payment$196,702.45
Closing costs + prepaids$9,311.48
Total buyer cash needed$206,013.93
Remaining funds due$206,013.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,800.00
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)$104.50
Prepaid interest, first (18 days)$181.98
Fees + prepaids$9,311.48
Your down payment is the seller’s equity. You take over the $83,298 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $206,013.93 is due at closing. Uses and sources reconcile at $289,311.48 each. Not a Closing Disclosure.