Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$226,573Cash toward the purchase price.
Closing costs + prepaids$9,629Not just lender fees.
Before credits & paid funds$236,202The complete starting cash picture.
Estimated remaining funds due at closing
$236,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,572.90
Your down payment$226,572.90
Closing costs + prepaids$9,629.30
Total buyer cash needed$236,202.20
Remaining funds due$236,202.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,375.00
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)$263.50
Initial HOA (3 months)$705.00
Prepaid interest, first (30 days)$60.80
Fees + prepaids$9,629.30
Your down payment is the seller’s equity. You take over the $10,927 balance, so the rest of the $237,500 price is paid at closing. A second mortgage can cover part of it. $236,202.20 is due at closing. Uses and sources reconcile at $247,129.30 each. Not a Closing Disclosure.