Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$193,561Cash toward the purchase price.
Closing costs + prepaids$8,998Not just lender fees.
Before credits & paid funds$202,560The complete starting cash picture.
Estimated remaining funds due at closing
$202,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,561.47
Your down payment$193,561.47
Closing costs + prepaids$8,998.29
Total buyer cash needed$202,559.76
Remaining funds due$202,559.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$258.75
Initial HOA (3 months)$165.00
Prepaid interest, first (18 days)$99.54
Fees + prepaids$8,998.29
Your down payment is the seller’s equity. You take over the $31,439 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $202,559.76 is due at closing. Uses and sources reconcile at $233,998.29 each. Not a Closing Disclosure.