Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$214,752Cash toward the purchase price.
Closing costs + prepaids$12,521Not just lender fees.
Before credits & paid funds$227,273The complete starting cash picture.
Estimated remaining funds due at closing
$227,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,751.94
Your down payment$214,751.94
Closing costs + prepaids$12,521.10
Total buyer cash needed$227,273.04
Remaining funds due$227,273.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,049.00
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)$606.00
Prepaid interest, first (12 days)$391.10
Fees + prepaids$12,521.10
Your down payment is the seller’s equity. You take over the $290,148 balance, so the rest of the $504,900 price is paid at closing. A second mortgage can cover part of it. $227,273.04 is due at closing. Uses and sources reconcile at $517,421.10 each. Not a Closing Disclosure.