Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,832Cash toward the purchase price.
Closing costs + prepaids$9,337Not just lender fees.
Before credits & paid funds$225,169The complete starting cash picture.
Estimated remaining funds due at closing
$225,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,831.57
Your down payment$215,831.57
Closing costs + prepaids$9,337.24
Total buyer cash needed$225,168.81
Remaining funds due$225,168.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$812.50
Prepaid interest, first (30 days)$49.74
Fees + prepaids$9,337.24
Your down payment is the seller’s equity. You take over the $9,168 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $225,168.81 is due at closing. Uses and sources reconcile at $234,337.24 each. Not a Closing Disclosure.