Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$202,444Cash toward the purchase price.
Closing costs + prepaids$9,465Not just lender fees.
Before credits & paid funds$211,909The complete starting cash picture.
Estimated remaining funds due at closing
$211,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,443.84
Your down payment$202,443.84
Closing costs + prepaids$9,465.00
Total buyer cash needed$211,908.85
Remaining funds due$211,908.85
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)$212.75
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$128.25
Fees + prepaids$9,465.00
Your down payment is the seller’s equity. You take over the $27,456 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $211,908.85 is due at closing. Uses and sources reconcile at $239,365.00 each. Not a Closing Disclosure.