Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$208,082Cash toward the purchase price.
Closing costs + prepaids$21,949Not just lender fees.
Before credits & paid funds$230,032The complete starting cash picture.
Estimated remaining funds due at closing
$230,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,082.31
Your down payment$208,082.31
Closing costs + prepaids$21,949.33
Total buyer cash needed$230,031.64
Remaining funds due$230,031.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,700.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$988.50
Initial HOA (3 months)$722.01
Prepaid interest, first (25 days)$3,313.82
Fees + prepaids$21,949.33
Your down payment is the seller’s equity. You take over the $761,918 balance, so the rest of the $970,000 price is paid at closing. A second mortgage can cover part of it. $230,031.64 is due at closing. Uses and sources reconcile at $991,949.33 each. Not a Closing Disclosure.