Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$220,701Cash toward the purchase price.
Closing costs + prepaids$12,900Not just lender fees.
Before credits & paid funds$233,601The complete starting cash picture.
Estimated remaining funds due at closing
$233,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,701.18
Your down payment$220,701.18
Closing costs + prepaids$12,900.26
Total buyer cash needed$233,601.43
Remaining funds due$233,601.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,192.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$431.50
Prepaid interest, first (31 days)$801.26
Fees + prepaids$12,900.26
Your down payment is the seller’s equity. You take over the $298,549 balance, so the rest of the $519,250 price is paid at closing. A second mortgage can cover part of it. $233,601.43 is due at closing. Uses and sources reconcile at $532,150.26 each. Not a Closing Disclosure.