Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$8,564Cash toward the purchase price.
Closing costs + prepaids$10,203Not just lender fees.
Before credits & paid funds$18,767The complete starting cash picture.
Estimated remaining funds due at closing
$18,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,563.52
Your down payment$8,563.52
Closing costs + prepaids$10,203.29
Total buyer cash needed$18,766.81
Remaining funds due$18,766.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,330.00
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)$720.00
Initial HOA (3 months)$60.00
Prepaid interest, first (27 days)$868.29
Fees + prepaids$10,203.29
Your down payment is the seller’s equity. You take over the $224,436 balance, so the rest of the $233,000 price is paid at closing. A second mortgage can cover part of it. $18,766.81 is due at closing. Uses and sources reconcile at $243,203.29 each. Not a Closing Disclosure.