Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$17,989Cash toward the purchase price.
Closing costs + prepaids$10,269Not just lender fees.
Before credits & paid funds$28,258The complete starting cash picture.
Estimated remaining funds due at closing
$28,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,989.23
Your down payment$17,989.23
Closing costs + prepaids$10,268.93
Total buyer cash needed$28,258.15
Remaining funds due$28,258.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$275.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (13 days)$443.93
Fees + prepaids$10,268.93
Your down payment is the seller’s equity. You take over the $202,011 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $28,258.15 is due at closing. Uses and sources reconcile at $230,268.93 each. Not a Closing Disclosure.