Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$219,038Cash toward the purchase price.
Closing costs + prepaids$9,357Not just lender fees.
Before credits & paid funds$228,395The complete starting cash picture.
Estimated remaining funds due at closing
$228,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,037.64
Your down payment$219,037.64
Closing costs + prepaids$9,357.06
Total buyer cash needed$228,394.70
Remaining funds due$228,394.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,747.00
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)$238.75
Prepaid interest, first (26 days)$146.31
Fees + prepaids$9,357.06
Your down payment is the seller’s equity. You take over the $55,662 balance, so the rest of the $274,700 price is paid at closing. A second mortgage can cover part of it. $228,394.70 is due at closing. Uses and sources reconcile at $284,057.06 each. Not a Closing Disclosure.