Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$214,900Cash toward the purchase price.
Closing costs + prepaids$8,527Not just lender fees.
Before credits & paid funds$223,427The complete starting cash picture.
Estimated remaining funds due at closing
$223,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,900.00
Your down payment$214,900.00
Closing costs + prepaids$8,526.50
Total buyer cash needed$223,426.50
Remaining funds due$223,426.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$152.50
Fees + prepaids$8,526.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $223,426.50 is due at closing. Uses and sources reconcile at $223,426.50 each. Not a Closing Disclosure.