Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$209,138Cash toward the purchase price.
Closing costs + prepaids$9,741Not just lender fees.
Before credits & paid funds$218,879The complete starting cash picture.
Estimated remaining funds due at closing
$218,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,138.06
Your down payment$209,138.06
Closing costs + prepaids$9,740.75
Total buyer cash needed$218,878.81
Remaining funds due$218,878.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$679.00
Initial HOA (3 months)$522.00
Prepaid interest, first (25 days)$65.75
Fees + prepaids$9,740.75
Your down payment is the seller’s equity. You take over the $15,762 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $218,878.81 is due at closing. Uses and sources reconcile at $234,640.75 each. Not a Closing Disclosure.