Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$188,562Cash toward the purchase price.
Closing costs + prepaids$9,198Not just lender fees.
Before credits & paid funds$197,760The complete starting cash picture.
Estimated remaining funds due at closing
$197,760No 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$9,198.36
Total buyer cash needed$197,760.31
Remaining funds due$197,760.31
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 (20 days)$147.11
Fees + prepaids$9,198.36
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. $197,760.31 is due at closing. Uses and sources reconcile at $259,198.36 each. Not a Closing Disclosure.