Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$216,936Cash toward the purchase price.
Closing costs + prepaids$8,836Not just lender fees.
Before credits & paid funds$225,773The complete starting cash picture.
Estimated remaining funds due at closing
$225,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,936.47
Your down payment$216,936.47
Closing costs + prepaids$8,836.40
Total buyer cash needed$225,772.87
Remaining funds due$225,772.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$185.50
Prepaid interest, first (26 days)$76.90
Fees + prepaids$8,836.40
Your down payment is the seller’s equity. You take over the $17,964 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $225,772.87 is due at closing. Uses and sources reconcile at $243,736.40 each. Not a Closing Disclosure.