Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,745Cash toward the purchase price.
Closing costs + prepaids$10,169Not just lender fees.
Before credits & paid funds$37,914The complete starting cash picture.
Estimated remaining funds due at closing
$37,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,745.23
Your down payment$27,745.23
Closing costs + prepaids$10,168.91
Total buyer cash needed$37,914.14
Remaining funds due$37,914.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$259.00
Initial HOA (3 months)$888.00
Prepaid interest, first (31 days)$497.91
Fees + prepaids$10,168.91
Your down payment is the seller’s equity. You take over the $202,155 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $37,914.14 is due at closing. Uses and sources reconcile at $240,068.91 each. Not a Closing Disclosure.