Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$203,306Cash toward the purchase price.
Closing costs + prepaids$9,317Not just lender fees.
Before credits & paid funds$212,623The complete starting cash picture.
Estimated remaining funds due at closing
$212,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,306.00
Your down payment$203,306.00
Closing costs + prepaids$9,316.55
Total buyer cash needed$212,622.55
Remaining funds due$212,622.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$802.75
Initial HOA (3 months)$16.26
Prepaid interest, first (24 days)$73.54
Fees + prepaids$9,316.55
Your down payment is the seller’s equity. You take over the $16,594 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $212,622.55 is due at closing. Uses and sources reconcile at $229,216.55 each. Not a Closing Disclosure.