Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$212,673Cash toward the purchase price.
Closing costs + prepaids$9,404Not just lender fees.
Before credits & paid funds$222,077The complete starting cash picture.
Estimated remaining funds due at closing
$222,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,672.74
Your down payment$212,672.74
Closing costs + prepaids$9,404.06
Total buyer cash needed$222,076.81
Remaining funds due$222,076.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$875.00
Prepaid interest, first (24 days)$54.06
Fees + prepaids$9,404.06
Your down payment is the seller’s equity. You take over the $12,327 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $222,076.81 is due at closing. Uses and sources reconcile at $234,404.06 each. Not a Closing Disclosure.