Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,701Cash toward the purchase price.
Closing costs + prepaids$11,438Not just lender fees.
Before credits & paid funds$27,139The complete starting cash picture.
Estimated remaining funds due at closing
$27,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,701.12
Your down payment$15,701.12
Closing costs + prepaids$11,437.75
Total buyer cash needed$27,138.86
Remaining funds due$27,138.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,140.00
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)$116.50
Initial HOA (3 months)$2,244.00
Prepaid interest, first (23 days)$712.25
Fees + prepaids$11,437.75
Your down payment is the seller’s equity. You take over the $198,299 balance, so the rest of the $214,000 price is paid at closing. A second mortgage can cover part of it. $27,138.86 is due at closing. Uses and sources reconcile at $225,437.75 each. Not a Closing Disclosure.