Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$214,964Cash toward the purchase price.
Closing costs + prepaids$9,738Not just lender fees.
Before credits & paid funds$224,701The complete starting cash picture.
Estimated remaining funds due at closing
$224,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,963.53
Your down payment$214,963.53
Closing costs + prepaids$9,737.59
Total buyer cash needed$224,701.12
Remaining funds due$224,701.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$254.25
Prepaid interest, first (21 days)$268.34
Fees + prepaids$9,737.59
Your down payment is the seller’s equity. You take over the $84,036 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $224,701.12 is due at closing. Uses and sources reconcile at $308,737.59 each. Not a Closing Disclosure.