Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$220,523Cash toward the purchase price.
Closing costs + prepaids$9,557Not just lender fees.
Before credits & paid funds$230,081The complete starting cash picture.
Estimated remaining funds due at closing
$230,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,523.15
Your down payment$220,523.15
Closing costs + prepaids$9,557.47
Total buyer cash needed$230,080.62
Remaining funds due$230,080.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$137.75
Prepaid interest, first (18 days)$195.72
Fees + prepaids$9,557.47
Your down payment is the seller’s equity. You take over the $79,377 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $230,080.62 is due at closing. Uses and sources reconcile at $309,457.47 each. Not a Closing Disclosure.