Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$218,131Cash toward the purchase price.
Closing costs + prepaids$9,379Not just lender fees.
Before credits & paid funds$227,510The complete starting cash picture.
Estimated remaining funds due at closing
$227,510No 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$9,378.84
Total buyer cash needed$227,509.84
Remaining funds due$227,509.84
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 (18 days)$35.59
Fees + prepaids$9,378.84
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. $227,509.84 is due at closing. Uses and sources reconcile at $239,378.84 each. Not a Closing Disclosure.