Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$216,641Cash toward the purchase price.
Closing costs + prepaids$9,061Not just lender fees.
Before credits & paid funds$225,703The complete starting cash picture.
Estimated remaining funds due at closing
$225,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,641.33
Your down payment$216,641.33
Closing costs + prepaids$9,061.46
Total buyer cash needed$225,702.80
Remaining funds due$225,702.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$464.25
Prepaid interest, first (29 days)$73.21
Fees + prepaids$9,061.46
Your down payment is the seller’s equity. You take over the $13,259 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $225,702.80 is due at closing. Uses and sources reconcile at $238,961.46 each. Not a Closing Disclosure.