Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,119Cash toward the purchase price.
Closing costs + prepaids$9,592Not just lender fees.
Before credits & paid funds$18,711The complete starting cash picture.
Estimated remaining funds due at closing
$18,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,119.42
Your down payment$9,119.42
Closing costs + prepaids$9,591.50
Total buyer cash needed$18,710.92
Remaining funds due$18,710.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$890.00
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$16.50
Fees + prepaids$9,591.50
Your down payment is the seller’s equity. You take over the $209,881 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $18,710.92 is due at closing. Uses and sources reconcile at $228,591.50 each. Not a Closing Disclosure.