Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$206,195Cash toward the purchase price.
Closing costs + prepaids$8,968Not just lender fees.
Before credits & paid funds$215,164The complete starting cash picture.
Estimated remaining funds due at closing
$215,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,195.46
Your down payment$206,195.46
Closing costs + prepaids$8,968.46
Total buyer cash needed$215,163.92
Remaining funds due$215,163.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$485.00
Prepaid interest, first (23 days)$58.46
Fees + prepaids$8,968.46
Your down payment is the seller’s equity. You take over the $13,805 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $215,163.92 is due at closing. Uses and sources reconcile at $228,968.46 each. Not a Closing Disclosure.