Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$214,799Cash toward the purchase price.
Closing costs + prepaids$23,751Not just lender fees.
Before credits & paid funds$238,550The complete starting cash picture.
Estimated remaining funds due at closing
$238,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,798.93
Your down payment$214,798.93
Closing costs + prepaids$23,750.86
Total buyer cash needed$238,549.79
Remaining funds due$238,549.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,997.11
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,499.25
Prepaid interest, first (27 days)$4,029.50
Fees + prepaids$23,750.86
Your down payment is the seller’s equity. You take over the $784,912 balance, so the rest of the $999,711 price is paid at closing. A second mortgage can cover part of it. $238,549.79 is due at closing. Uses and sources reconcile at $1,023,461.86 each. Not a Closing Disclosure.