Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$204,538Cash toward the purchase price.
Closing costs + prepaids$9,856Not just lender fees.
Before credits & paid funds$214,394The complete starting cash picture.
Estimated remaining funds due at closing
$214,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,538.09
Your down payment$204,538.09
Closing costs + prepaids$9,855.64
Total buyer cash needed$214,393.72
Remaining funds due$214,393.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,280.00
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)$1,239.50
Prepaid interest, first (26 days)$111.14
Fees + prepaids$9,855.64
Your down payment is the seller’s equity. You take over the $23,462 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $214,393.72 is due at closing. Uses and sources reconcile at $237,855.64 each. Not a Closing Disclosure.