Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$217,194Cash toward the purchase price.
Closing costs + prepaids$11,609Not just lender fees.
Before credits & paid funds$228,803The complete starting cash picture.
Estimated remaining funds due at closing
$228,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,193.99
Your down payment$217,193.99
Closing costs + prepaids$11,609.16
Total buyer cash needed$228,803.14
Remaining funds due$228,803.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$940.50
Prepaid interest, first (26 days)$463.66
Fees + prepaids$11,609.16
Your down payment is the seller’s equity. You take over the $180,806 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $228,803.14 is due at closing. Uses and sources reconcile at $409,609.16 each. Not a Closing Disclosure.