Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$202,197Cash toward the purchase price.
Closing costs + prepaids$8,962Not just lender fees.
Before credits & paid funds$211,160The complete starting cash picture.
Estimated remaining funds due at closing
$211,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,197.48
Your down payment$202,197.48
Closing costs + prepaids$8,962.16
Total buyer cash needed$211,159.64
Remaining funds due$211,159.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,170.00
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)$553.25
Prepaid interest, first (5 days)$13.91
Fees + prepaids$8,962.16
Your down payment is the seller’s equity. You take over the $14,803 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $211,159.64 is due at closing. Uses and sources reconcile at $225,962.16 each. Not a Closing Disclosure.