Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,334Cash toward the purchase price.
Closing costs + prepaids$8,700Not just lender fees.
Before credits & paid funds$203,034The complete starting cash picture.
Estimated remaining funds due at closing
$203,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,334.00
Your down payment$194,334.00
Closing costs + prepaids$8,699.94
Total buyer cash needed$203,033.94
Remaining funds due$203,033.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$218.50
Prepaid interest, first (28 days)$107.44
Fees + prepaids$8,699.94
Your down payment is the seller’s equity. You take over the $20,566 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $203,033.94 is due at closing. Uses and sources reconcile at $223,599.94 each. Not a Closing Disclosure.