Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,392Cash toward the purchase price.
Closing costs + prepaids$9,290Not just lender fees.
Before credits & paid funds$50,681The complete starting cash picture.
Estimated remaining funds due at closing
$50,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,391.85
Your down payment$41,391.85
Closing costs + prepaids$9,289.52
Total buyer cash needed$50,681.37
Remaining funds due$50,681.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$185.25
Initial HOA (3 months)$765.00
Prepaid interest, first (1 days)$14.27
Fees + prepaids$9,289.52
Your down payment is the seller’s equity. You take over the $168,608 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $50,681.37 is due at closing. Uses and sources reconcile at $219,289.52 each. Not a Closing Disclosure.