Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$210,817Cash toward the purchase price.
Closing costs + prepaids$12,489Not just lender fees.
Before credits & paid funds$223,306The complete starting cash picture.
Estimated remaining funds due at closing
$223,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,817.37
Your down payment$210,817.37
Closing costs + prepaids$12,489.09
Total buyer cash needed$223,306.47
Remaining funds due$223,306.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.95
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)$396.50
Prepaid interest, first (2 days)$117.64
Fees + prepaids$12,489.09
Your down payment is the seller’s equity. You take over the $339,178 balance, so the rest of the $549,995 price is paid at closing. A second mortgage can cover part of it. $223,306.47 is due at closing. Uses and sources reconcile at $562,484.09 each. Not a Closing Disclosure.