Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,177Cash toward the purchase price.
Closing costs + prepaids$10,471Not just lender fees.
Before credits & paid funds$27,648The complete starting cash picture.
Estimated remaining funds due at closing
$27,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,176.94
Your down payment$17,176.94
Closing costs + prepaids$10,471.32
Total buyer cash needed$27,648.26
Remaining funds due$27,648.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$100.50
Initial HOA (3 months)$813.00
Prepaid interest, first (31 days)$1,182.82
Fees + prepaids$10,471.32
Your down payment is the seller’s equity. You take over the $197,823 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $27,648.26 is due at closing. Uses and sources reconcile at $225,471.32 each. Not a Closing Disclosure.