Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$9,052Cash toward the purchase price.
Closing costs + prepaids$10,663Not just lender fees.
Before credits & paid funds$19,715The complete starting cash picture.
Estimated remaining funds due at closing
$19,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,051.73
Your down payment$9,051.73
Closing costs + prepaids$10,663.37
Total buyer cash needed$19,715.11
Remaining funds due$19,715.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$150.25
Initial HOA (3 months)$1,194.00
Prepaid interest, first (30 days)$1,004.12
Fees + prepaids$10,663.37
Your down payment is the seller’s equity. You take over the $199,948 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $19,715.11 is due at closing. Uses and sources reconcile at $219,663.37 each. Not a Closing Disclosure.