Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$214,262Cash toward the purchase price.
Closing costs + prepaids$10,415Not just lender fees.
Before credits & paid funds$224,678The complete starting cash picture.
Estimated remaining funds due at closing
$224,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,262.36
Your down payment$214,262.36
Closing costs + prepaids$10,415.22
Total buyer cash needed$224,677.58
Remaining funds due$224,677.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$300.25
Prepaid interest, first (29 days)$414.97
Fees + prepaids$10,415.22
Your down payment is the seller’s equity. You take over the $133,238 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $224,677.58 is due at closing. Uses and sources reconcile at $357,915.22 each. Not a Closing Disclosure.