Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$215,164Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$227,020The complete starting cash picture.
Estimated remaining funds due at closing
$227,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,163.75
Your down payment$215,163.75
Closing costs + prepaids$11,856.36
Total buyer cash needed$227,020.12
Remaining funds due$227,020.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$872.00
Prepaid interest, first (27 days)$560.36
Fees + prepaids$11,856.36
Your down payment is the seller’s equity. You take over the $204,736 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $227,020.12 is due at closing. Uses and sources reconcile at $431,756.36 each. Not a Closing Disclosure.