Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,880Cash toward the purchase price.
Closing costs + prepaids$9,604Not just lender fees.
Before credits & paid funds$28,483The complete starting cash picture.
Estimated remaining funds due at closing
$28,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,879.86
Your down payment$18,879.86
Closing costs + prepaids$9,603.50
Total buyer cash needed$28,483.36
Remaining funds due$28,483.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$239.00
Initial HOA (3 months)$960.00
Prepaid interest, first (2 days)$30.50
Fees + prepaids$9,603.50
Your down payment is the seller’s equity. You take over the $196,020 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $28,483.36 is due at closing. Uses and sources reconcile at $224,503.50 each. Not a Closing Disclosure.