Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$218,955Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$229,309The complete starting cash picture.
Estimated remaining funds due at closing
$229,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,954.97
Your down payment$218,954.97
Closing costs + prepaids$10,353.56
Total buyer cash needed$229,308.53
Remaining funds due$229,308.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$764.00
Prepaid interest, first (26 days)$365.56
Fees + prepaids$10,353.56
Your down payment is the seller’s equity. You take over the $80,945 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $229,308.53 is due at closing. Uses and sources reconcile at $310,253.56 each. Not a Closing Disclosure.