Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$9,599Cash toward the purchase price.
Closing costs + prepaids$9,954Not just lender fees.
Before credits & paid funds$19,552The complete starting cash picture.
Estimated remaining funds due at closing
$19,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,598.60
Your down payment$9,598.60
Closing costs + prepaids$9,953.70
Total buyer cash needed$19,552.30
Remaining funds due$19,552.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$890.00
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$378.70
Fees + prepaids$9,953.70
Your down payment is the seller’s equity. You take over the $209,401 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $19,552.30 is due at closing. Uses and sources reconcile at $228,953.70 each. Not a Closing Disclosure.