Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$200,427Cash toward the purchase price.
Closing costs + prepaids$9,263Not just lender fees.
Before credits & paid funds$209,690The complete starting cash picture.
Estimated remaining funds due at closing
$209,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,427.00
Your down payment$200,427.00
Closing costs + prepaids$9,263.11
Total buyer cash needed$209,690.11
Remaining funds due$209,690.11
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)$797.50
Prepaid interest, first (26 days)$41.61
Fees + prepaids$9,263.11
Your down payment is the seller’s equity. You take over the $19,473 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $209,690.11 is due at closing. Uses and sources reconcile at $229,163.11 each. Not a Closing Disclosure.