Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$207,536Cash toward the purchase price.
Closing costs + prepaids$12,494Not just lender fees.
Before credits & paid funds$220,030The complete starting cash picture.
Estimated remaining funds due at closing
$220,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,536.46
Your down payment$207,536.46
Closing costs + prepaids$12,493.54
Total buyer cash needed$220,029.99
Remaining funds due$220,029.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,220.00
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)$1,055.00
Prepaid interest, first (28 days)$993.54
Fees + prepaids$12,493.54
Your down payment is the seller’s equity. You take over the $214,464 balance, so the rest of the $422,000 price is paid at closing. A second mortgage can cover part of it. $220,029.99 is due at closing. Uses and sources reconcile at $434,493.54 each. Not a Closing Disclosure.