Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,658Cash toward the purchase price.
Closing costs + prepaids$9,990Not just lender fees.
Before credits & paid funds$219,648The complete starting cash picture.
Estimated remaining funds due at closing
$219,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,657.56
Your down payment$209,657.56
Closing costs + prepaids$9,990.19
Total buyer cash needed$219,647.75
Remaining funds due$219,647.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,920.00
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)$769.00
Initial HOA (3 months)$58.50
Prepaid interest, first (2 days)$17.69
Fees + prepaids$9,990.19
Your down payment is the seller’s equity. You take over the $82,342 balance, so the rest of the $292,000 price is paid at closing. A second mortgage can cover part of it. $219,647.75 is due at closing. Uses and sources reconcile at $301,990.19 each. Not a Closing Disclosure.