Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$212,090Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$222,444The complete starting cash picture.
Estimated remaining funds due at closing
$222,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,089.52
Your down payment$212,089.52
Closing costs + prepaids$10,354.41
Total buyer cash needed$222,443.92
Remaining funds due$222,443.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.99
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)$1,068.00
Initial HOA (3 months)$99.99
Prepaid interest, first (1 days)$11.43
Fees + prepaids$10,354.41
Your down payment is the seller’s equity. You take over the $82,909 balance, so the rest of the $294,999 price is paid at closing. A second mortgage can cover part of it. $222,443.92 is due at closing. Uses and sources reconcile at $305,353.41 each. Not a Closing Disclosure.