Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,411Cash toward the purchase price.
Closing costs + prepaids$11,803Not just lender fees.
Before credits & paid funds$233,214The complete starting cash picture.
Estimated remaining funds due at closing
$233,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,410.87
Your down payment$221,410.87
Closing costs + prepaids$11,803.00
Total buyer cash needed$233,213.87
Remaining funds due$233,213.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$587.50
Initial HOA (3 months)$2,574.00
Prepaid interest, first (26 days)$66.50
Fees + prepaids$11,803.00
Your down payment is the seller’s equity. You take over the $13,589 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $233,213.87 is due at closing. Uses and sources reconcile at $246,803.00 each. Not a Closing Disclosure.