Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,221Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$225,729The complete starting cash picture.
Estimated remaining funds due at closing
$225,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,220.81
Your down payment$215,220.81
Closing costs + prepaids$10,508.40
Total buyer cash needed$225,729.20
Remaining funds due$225,729.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,344.50
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)$1,830.00
Prepaid interest, first (30 days)$108.90
Fees + prepaids$10,508.40
Your down payment is the seller’s equity. You take over the $19,229 balance, so the rest of the $234,450 price is paid at closing. A second mortgage can cover part of it. $225,729.20 is due at closing. Uses and sources reconcile at $244,958.40 each. Not a Closing Disclosure.