Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$212,503Cash toward the purchase price.
Closing costs + prepaids$9,256Not just lender fees.
Before credits & paid funds$221,759The complete starting cash picture.
Estimated remaining funds due at closing
$221,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,503.25
Your down payment$212,503.25
Closing costs + prepaids$9,255.78
Total buyer cash needed$221,759.04
Remaining funds due$221,759.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$51.00
Prepaid interest, first (27 days)$230.78
Fees + prepaids$9,255.78
Your down payment is the seller’s equity. You take over the $62,397 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $221,759.04 is due at closing. Uses and sources reconcile at $284,155.78 each. Not a Closing Disclosure.