Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,970Cash toward the purchase price.
Closing costs + prepaids$13,378Not just lender fees.
Before credits & paid funds$214,348The complete starting cash picture.
Estimated remaining funds due at closing
$214,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,969.90
Your down payment$200,969.90
Closing costs + prepaids$13,377.80
Total buyer cash needed$214,347.70
Remaining funds due$214,347.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Prepaid interest, first (1 days)$28.30
Fees + prepaids$13,377.80
Your down payment is the seller’s equity. You take over the $348,980 balance, so the rest of the $549,950 price is paid at closing. A second mortgage can cover part of it. $214,347.70 is due at closing. Uses and sources reconcile at $563,327.80 each. Not a Closing Disclosure.