Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$222,707Cash toward the purchase price.
Closing costs + prepaids$9,752Not just lender fees.
Before credits & paid funds$232,459The complete starting cash picture.
Estimated remaining funds due at closing
$232,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,707.13
Your down payment$222,707.13
Closing costs + prepaids$9,751.51
Total buyer cash needed$232,458.65
Remaining funds due$232,458.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,720.00
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)$358.25
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$178.26
Fees + prepaids$9,751.51
Your down payment is the seller’s equity. You take over the $49,293 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $232,458.65 is due at closing. Uses and sources reconcile at $281,751.51 each. Not a Closing Disclosure.