Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$593Cash toward the purchase price.
Closing costs + prepaids$10,223Not just lender fees.
Before credits & paid funds$10,816The complete starting cash picture.
Estimated remaining funds due at closing
$10,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$592.83
Your down payment$592.83
Closing costs + prepaids$10,223.34
Total buyer cash needed$10,816.17
Remaining funds due$10,816.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$474.75
Initial HOA (3 months)$810.00
Prepaid interest, first (31 days)$613.59
Fees + prepaids$10,223.34
Your down payment is the seller’s equity. You take over the $209,407 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $10,816.17 is due at closing. Uses and sources reconcile at $220,223.34 each. Not a Closing Disclosure.