Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$208,327Cash toward the purchase price.
Closing costs + prepaids$10,110Not just lender fees.
Before credits & paid funds$218,437The complete starting cash picture.
Estimated remaining funds due at closing
$218,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,327.05
Your down payment$208,327.05
Closing costs + prepaids$10,109.64
Total buyer cash needed$218,436.70
Remaining funds due$218,436.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,180.00
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)$790.00
Initial HOA (3 months)$876.00
Prepaid interest, first (23 days)$38.64
Fees + prepaids$10,109.64
Your down payment is the seller’s equity. You take over the $9,673 balance, so the rest of the $218,000 price is paid at closing. A second mortgage can cover part of it. $218,436.70 is due at closing. Uses and sources reconcile at $228,109.64 each. Not a Closing Disclosure.