Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$210,011Cash toward the purchase price.
Closing costs + prepaids$9,609Not just lender fees.
Before credits & paid funds$219,620The complete starting cash picture.
Estimated remaining funds due at closing
$219,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,011.34
Your down payment$210,011.34
Closing costs + prepaids$9,609.10
Total buyer cash needed$219,620.44
Remaining funds due$219,620.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$1,206.75
Prepaid interest, first (30 days)$27.35
Fees + prepaids$9,609.10
Your down payment is the seller’s equity. You take over the $4,989 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $219,620.44 is due at closing. Uses and sources reconcile at $224,609.10 each. Not a Closing Disclosure.