Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$204,900Cash toward the purchase price.
Closing costs + prepaids$9,526Not just lender fees.
Before credits & paid funds$214,426The complete starting cash picture.
Estimated remaining funds due at closing
$214,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,900.00
Your down payment$204,900.00
Closing costs + prepaids$9,526.00
Total buyer cash needed$214,426.00
Remaining funds due$214,426.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,049.00
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)$202.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$0.00
Fees + prepaids$9,526.00
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $214,426.00 is due at closing. Uses and sources reconcile at $214,426.00 each. Not a Closing Disclosure.