Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$191,098Cash toward the purchase price.
Closing costs + prepaids$9,753Not just lender fees.
Before credits & paid funds$200,851The complete starting cash picture.
Estimated remaining funds due at closing
$200,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,097.57
Your down payment$191,097.57
Closing costs + prepaids$9,753.12
Total buyer cash needed$200,850.69
Remaining funds due$200,850.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
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)$355.00
Initial HOA (3 months)$180.00
Prepaid interest, first (16 days)$153.12
Fees + prepaids$9,753.12
Your down payment is the seller’s equity. You take over the $92,902 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $200,850.69 is due at closing. Uses and sources reconcile at $293,753.12 each. Not a Closing Disclosure.