Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,233Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$31,115The complete starting cash picture.
Estimated remaining funds due at closing
$31,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,233.14
Your down payment$21,233.14
Closing costs + prepaids$9,881.38
Total buyer cash needed$31,114.52
Remaining funds due$31,114.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$176.25
Initial HOA (3 months)$1,212.00
Prepaid interest, first (2 days)$69.13
Fees + prepaids$9,881.38
Your down payment is the seller’s equity. You take over the $198,667 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $31,114.52 is due at closing. Uses and sources reconcile at $229,781.38 each. Not a Closing Disclosure.