Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,736Cash toward the purchase price.
Closing costs + prepaids$10,426Not just lender fees.
Before credits & paid funds$17,162The complete starting cash picture.
Estimated remaining funds due at closing
$17,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,736.07
Your down payment$6,736.07
Closing costs + prepaids$10,425.90
Total buyer cash needed$17,161.97
Remaining funds due$17,161.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,139.50
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)$1,207.00
Prepaid interest, first (25 days)$854.40
Fees + prepaids$10,425.90
Your down payment is the seller’s equity. You take over the $207,214 balance, so the rest of the $213,950 price is paid at closing. A second mortgage can cover part of it. $17,161.97 is due at closing. Uses and sources reconcile at $224,375.90 each. Not a Closing Disclosure.