Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$211,355Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$223,180The complete starting cash picture.
Estimated remaining funds due at closing
$223,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,355.40
Your down payment$211,355.40
Closing costs + prepaids$11,824.65
Total buyer cash needed$223,180.06
Remaining funds due$223,180.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,042.50
Prepaid interest, first (30 days)$457.15
Fees + prepaids$11,824.65
Your down payment is the seller’s equity. You take over the $198,645 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $223,180.06 is due at closing. Uses and sources reconcile at $421,824.65 each. Not a Closing Disclosure.