Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$211,438Cash toward the purchase price.
Closing costs + prepaids$9,515Not just lender fees.
Before credits & paid funds$220,953The complete starting cash picture.
Estimated remaining funds due at closing
$220,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,437.89
Your down payment$211,437.89
Closing costs + prepaids$9,515.49
Total buyer cash needed$220,953.38
Remaining funds due$220,953.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$130.25
Prepaid interest, first (20 days)$180.24
Fees + prepaids$9,515.49
Your down payment is the seller’s equity. You take over the $86,562 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $220,953.38 is due at closing. Uses and sources reconcile at $307,515.49 each. Not a Closing Disclosure.