Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$217,758Cash toward the purchase price.
Closing costs + prepaids$9,149Not just lender fees.
Before credits & paid funds$226,907The complete starting cash picture.
Estimated remaining funds due at closing
$226,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,757.62
Your down payment$217,757.62
Closing costs + prepaids$9,149.30
Total buyer cash needed$226,906.92
Remaining funds due$226,906.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$572.50
Prepaid interest, first (24 days)$61.80
Fees + prepaids$9,149.30
Your down payment is the seller’s equity. You take over the $11,242 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $226,906.92 is due at closing. Uses and sources reconcile at $238,149.30 each. Not a Closing Disclosure.