Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$211,798Cash toward the purchase price.
Closing costs + prepaids$10,531Not just lender fees.
Before credits & paid funds$222,330The complete starting cash picture.
Estimated remaining funds due at closing
$222,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,798.44
Your down payment$211,798.44
Closing costs + prepaids$10,531.31
Total buyer cash needed$222,329.75
Remaining funds due$222,329.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.90
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)$611.25
Prepaid interest, first (22 days)$295.16
Fees + prepaids$10,531.31
Your down payment is the seller’s equity. You take over the $128,192 balance, so the rest of the $339,990 price is paid at closing. A second mortgage can cover part of it. $222,329.75 is due at closing. Uses and sources reconcile at $350,521.31 each. Not a Closing Disclosure.