Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$218,811Cash toward the purchase price.
Closing costs + prepaids$14,418Not just lender fees.
Before credits & paid funds$233,228The complete starting cash picture.
Estimated remaining funds due at closing
$233,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,810.61
Your down payment$218,810.61
Closing costs + prepaids$14,417.68
Total buyer cash needed$233,228.29
Remaining funds due$233,228.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.00
Prepaid interest, first (25 days)$692.69
Fees + prepaids$14,417.68
Your down payment is the seller’s equity. You take over the $361,188 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $233,228.29 is due at closing. Uses and sources reconcile at $594,416.68 each. Not a Closing Disclosure.