Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$216,148Cash toward the purchase price.
Closing costs + prepaids$11,421Not just lender fees.
Before credits & paid funds$227,569The complete starting cash picture.
Estimated remaining funds due at closing
$227,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,147.86
Your down payment$216,147.86
Closing costs + prepaids$11,421.22
Total buyer cash needed$227,569.09
Remaining funds due$227,569.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,288.88
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)$429.00
Prepaid interest, first (29 days)$478.34
Fees + prepaids$11,421.22
Your down payment is the seller’s equity. You take over the $212,740 balance, so the rest of the $428,888 price is paid at closing. A second mortgage can cover part of it. $227,569.09 is due at closing. Uses and sources reconcile at $440,309.22 each. Not a Closing Disclosure.