Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$199,405Cash toward the purchase price.
Closing costs + prepaids$14,606Not just lender fees.
Before credits & paid funds$214,011The complete starting cash picture.
Estimated remaining funds due at closing
$214,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,404.90
Your down payment$199,404.90
Closing costs + prepaids$14,606.25
Total buyer cash needed$214,011.15
Remaining funds due$214,011.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,170.25
Prepaid interest, first (25 days)$1,462.00
Fees + prepaids$14,606.25
Your down payment is the seller’s equity. You take over the $350,495 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $214,011.15 is due at closing. Uses and sources reconcile at $564,506.25 each. Not a Closing Disclosure.