Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$218,131Cash toward the purchase price.
Closing costs + prepaids$9,405Not just lender fees.
Before credits & paid funds$227,536The complete starting cash picture.
Estimated remaining funds due at closing
$227,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,131.00
Your down payment$218,131.00
Closing costs + prepaids$9,404.54
Total buyer cash needed$227,535.54
Remaining funds due$227,535.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$107.25
Initial HOA (3 months)$711.00
Prepaid interest, first (31 days)$61.29
Fees + prepaids$9,404.54
Your down payment is the seller’s equity. You take over the $11,869 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $227,535.54 is due at closing. Uses and sources reconcile at $239,404.54 each. Not a Closing Disclosure.