Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$199,541Cash toward the purchase price.
Closing costs + prepaids$9,657Not just lender fees.
Before credits & paid funds$209,198The complete starting cash picture.
Estimated remaining funds due at closing
$209,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,540.61
Your down payment$199,540.61
Closing costs + prepaids$9,657.21
Total buyer cash needed$209,197.82
Remaining funds due$209,197.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$1,138.25
Prepaid interest, first (25 days)$94.96
Fees + prepaids$9,657.21
Your down payment is the seller’s equity. You take over the $20,359 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $209,197.82 is due at closing. Uses and sources reconcile at $229,557.21 each. Not a Closing Disclosure.