Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$211,758Cash toward the purchase price.
Closing costs + prepaids$10,986Not just lender fees.
Before credits & paid funds$222,744The complete starting cash picture.
Estimated remaining funds due at closing
$222,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,757.68
Your down payment$211,757.68
Closing costs + prepaids$10,986.33
Total buyer cash needed$222,744.01
Remaining funds due$222,744.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,860.00
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)$533.00
Initial HOA (3 months)$990.00
Prepaid interest, first (31 days)$378.33
Fees + prepaids$10,986.33
Your down payment is the seller’s equity. You take over the $74,242 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $222,744.01 is due at closing. Uses and sources reconcile at $296,986.33 each. Not a Closing Disclosure.