Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$214,255Cash toward the purchase price.
Closing costs + prepaids$12,405Not just lender fees.
Before credits & paid funds$226,660The complete starting cash picture.
Estimated remaining funds due at closing
$226,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,255.05
Your down payment$214,255.05
Closing costs + prepaids$12,404.82
Total buyer cash needed$226,659.87
Remaining funds due$226,659.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.75
Prepaid interest, first (17 days)$362.07
Fees + prepaids$12,404.82
Your down payment is the seller’s equity. You take over the $280,645 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $226,659.87 is due at closing. Uses and sources reconcile at $507,304.82 each. Not a Closing Disclosure.