Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$202,237Cash toward the purchase price.
Closing costs + prepaids$8,837Not just lender fees.
Before credits & paid funds$211,074The complete starting cash picture.
Estimated remaining funds due at closing
$211,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,236.72
Your down payment$202,236.72
Closing costs + prepaids$8,836.91
Total buyer cash needed$211,073.64
Remaining funds due$211,073.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$281.25
Prepaid interest, first (16 days)$81.66
Fees + prepaids$8,836.91
Your down payment is the seller’s equity. You take over the $22,663 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $211,073.64 is due at closing. Uses and sources reconcile at $233,736.91 each. Not a Closing Disclosure.