Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$211,438Cash toward the purchase price.
Closing costs + prepaids$9,653Not just lender fees.
Before credits & paid funds$221,091The complete starting cash picture.
Estimated remaining funds due at closing
$221,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,437.89
Your down payment$211,437.89
Closing costs + prepaids$9,652.62
Total buyer cash needed$221,090.51
Remaining funds due$221,090.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$357.50
Prepaid interest, first (10 days)$90.12
Fees + prepaids$9,652.62
Your down payment is the seller’s equity. You take over the $86,562 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $221,090.51 is due at closing. Uses and sources reconcile at $307,652.62 each. Not a Closing Disclosure.