Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,709Cash toward the purchase price.
Closing costs + prepaids$8,697Not just lender fees.
Before credits & paid funds$219,406The complete starting cash picture.
Estimated remaining funds due at closing
$219,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,708.58
Your down payment$210,708.58
Closing costs + prepaids$8,697.50
Total buyer cash needed$219,406.08
Remaining funds due$219,406.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,269.00
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)$129.75
Prepaid interest, first (25 days)$73.75
Fees + prepaids$8,697.50
Your down payment is the seller’s equity. You take over the $16,191 balance, so the rest of the $226,900 price is paid at closing. A second mortgage can cover part of it. $219,406.08 is due at closing. Uses and sources reconcile at $235,597.50 each. Not a Closing Disclosure.