Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$221,576Cash toward the purchase price.
Closing costs + prepaids$9,842Not just lender fees.
Before credits & paid funds$231,418The complete starting cash picture.
Estimated remaining funds due at closing
$231,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,576.30
Your down payment$221,576.30
Closing costs + prepaids$9,841.85
Total buyer cash needed$231,418.15
Remaining funds due$231,418.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$1,112.50
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$79.35
Fees + prepaids$9,841.85
Your down payment is the seller’s equity. You take over the $13,424 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $231,418.15 is due at closing. Uses and sources reconcile at $244,841.85 each. Not a Closing Disclosure.