Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,701Cash toward the purchase price.
Closing costs + prepaids$10,560Not just lender fees.
Before credits & paid funds$211,261The complete starting cash picture.
Estimated remaining funds due at closing
$211,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,701.49
Your down payment$200,701.49
Closing costs + prepaids$10,559.59
Total buyer cash needed$211,261.08
Remaining funds due$211,261.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$801.00
Initial HOA (3 months)$1,230.00
Prepaid interest, first (31 days)$103.59
Fees + prepaids$10,559.59
Your down payment is the seller’s equity. You take over the $19,299 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $211,261.08 is due at closing. Uses and sources reconcile at $230,559.59 each. Not a Closing Disclosure.