Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$212,038Cash toward the purchase price.
Closing costs + prepaids$9,327Not just lender fees.
Before credits & paid funds$221,364The complete starting cash picture.
Estimated remaining funds due at closing
$221,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,037.64
Your down payment$212,037.64
Closing costs + prepaids$9,326.79
Total buyer cash needed$221,364.42
Remaining funds due$221,364.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,677.00
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)$334.75
Prepaid interest, first (16 days)$90.04
Fees + prepaids$9,326.79
Your down payment is the seller’s equity. You take over the $55,662 balance, so the rest of the $267,700 price is paid at closing. A second mortgage can cover part of it. $221,364.42 is due at closing. Uses and sources reconcile at $277,026.79 each. Not a Closing Disclosure.