Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,193Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$213,352The complete starting cash picture.
Estimated remaining funds due at closing
$213,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,193.26
Your down payment$203,193.26
Closing costs + prepaids$10,158.81
Total buyer cash needed$213,352.08
Remaining funds due$213,352.08
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)$780.75
Initial HOA (3 months)$855.00
Prepaid interest, first (31 days)$98.06
Fees + prepaids$10,158.81
Your down payment is the seller’s equity. You take over the $16,807 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $213,352.08 is due at closing. Uses and sources reconcile at $230,158.81 each. Not a Closing Disclosure.