Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,564Cash toward the purchase price.
Closing costs + prepaids$9,663Not just lender fees.
Before credits & paid funds$224,227The complete starting cash picture.
Estimated remaining funds due at closing
$224,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,564.13
Your down payment$214,564.13
Closing costs + prepaids$9,662.92
Total buyer cash needed$224,227.05
Remaining funds due$224,227.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$268.50
Prepaid interest, first (28 days)$179.42
Fees + prepaids$9,662.92
Your down payment is the seller’s equity. You take over the $84,436 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $224,227.05 is due at closing. Uses and sources reconcile at $308,662.92 each. Not a Closing Disclosure.