Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,866Cash toward the purchase price.
Closing costs + prepaids$8,811Not just lender fees.
Before credits & paid funds$11,677The complete starting cash picture.
Estimated remaining funds due at closing
$11,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,865.65
Your down payment$2,865.65
Closing costs + prepaids$8,810.85
Total buyer cash needed$11,676.50
Remaining funds due$11,676.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$308.00
Prepaid interest, first (2 days)$78.85
Fees + prepaids$8,810.85
Your down payment is the seller’s equity. You take over the $217,034 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $11,676.50 is due at closing. Uses and sources reconcile at $228,710.85 each. Not a Closing Disclosure.