Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$215,789Cash toward the purchase price.
Closing costs + prepaids$8,785Not just lender fees.
Before credits & paid funds$224,574The complete starting cash picture.
Estimated remaining funds due at closing
$224,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,788.71
Your down payment$215,788.71
Closing costs + prepaids$8,785.14
Total buyer cash needed$224,573.85
Remaining funds due$224,573.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.90
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)$337.75
Prepaid interest, first (24 days)$22.49
Fees + prepaids$8,785.14
Your down payment is the seller’s equity. You take over the $4,201 balance, so the rest of the $219,990 price is paid at closing. A second mortgage can cover part of it. $224,573.85 is due at closing. Uses and sources reconcile at $228,775.14 each. Not a Closing Disclosure.