Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$215,004Cash toward the purchase price.
Closing costs + prepaids$9,211Not just lender fees.
Before credits & paid funds$224,216The complete starting cash picture.
Estimated remaining funds due at closing
$224,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,004.40
Your down payment$215,004.40
Closing costs + prepaids$9,211.45
Total buyer cash needed$224,215.85
Remaining funds due$224,215.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$179.75
Prepaid interest, first (28 days)$157.70
Fees + prepaids$9,211.45
Your down payment is the seller’s equity. You take over the $49,896 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $224,215.85 is due at closing. Uses and sources reconcile at $274,111.45 each. Not a Closing Disclosure.