Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$199,487Cash toward the purchase price.
Closing costs + prepaids$11,054Not just lender fees.
Before credits & paid funds$210,541The complete starting cash picture.
Estimated remaining funds due at closing
$210,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,486.77
Your down payment$199,486.77
Closing costs + prepaids$11,054.25
Total buyer cash needed$210,541.02
Remaining funds due$210,541.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$500.50
Prepaid interest, first (9 days)$158.75
Fees + prepaids$11,054.25
Your down payment is the seller’s equity. You take over the $217,513 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $210,541.02 is due at closing. Uses and sources reconcile at $428,054.25 each. Not a Closing Disclosure.