Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,806Cash toward the purchase price.
Closing costs + prepaids$13,515Not just lender fees.
Before credits & paid funds$228,321The complete starting cash picture.
Estimated remaining funds due at closing
$228,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,805.86
Your down payment$214,805.86
Closing costs + prepaids$13,515.22
Total buyer cash needed$228,321.09
Remaining funds due$228,321.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,480.00
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)$570.50
Prepaid interest, first (26 days)$989.72
Fees + prepaids$13,515.22
Your down payment is the seller’s equity. You take over the $333,194 balance, so the rest of the $548,000 price is paid at closing. A second mortgage can cover part of it. $228,321.09 is due at closing. Uses and sources reconcile at $561,515.22 each. Not a Closing Disclosure.