Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$222,791Cash toward the purchase price.
Closing costs + prepaids$9,404Not just lender fees.
Before credits & paid funds$232,195The complete starting cash picture.
Estimated remaining funds due at closing
$232,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,791.30
Your down payment$222,791.30
Closing costs + prepaids$9,403.81
Total buyer cash needed$232,195.11
Remaining funds due$232,195.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,289.00
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)$440.75
Initial HOA (3 months)$417.00
Prepaid interest, first (31 days)$32.06
Fees + prepaids$9,403.81
Your down payment is the seller’s equity. You take over the $6,109 balance, so the rest of the $228,900 price is paid at closing. A second mortgage can cover part of it. $232,195.11 is due at closing. Uses and sources reconcile at $238,303.81 each. Not a Closing Disclosure.