Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$215,260Cash toward the purchase price.
Closing costs + prepaids$11,297Not just lender fees.
Before credits & paid funds$226,557The complete starting cash picture.
Estimated remaining funds due at closing
$226,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,259.86
Your down payment$215,259.86
Closing costs + prepaids$11,296.88
Total buyer cash needed$226,556.74
Remaining funds due$226,556.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$429.00
Prepaid interest, first (22 days)$362.88
Fees + prepaids$11,296.88
Your down payment is the seller’s equity. You take over the $212,740 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $226,556.74 is due at closing. Uses and sources reconcile at $439,296.88 each. Not a Closing Disclosure.