Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$219,928Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$230,404The complete starting cash picture.
Estimated remaining funds due at closing
$230,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,927.98
Your down payment$219,927.98
Closing costs + prepaids$10,475.87
Total buyer cash needed$230,403.85
Remaining funds due$230,403.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$366.00
Initial HOA (3 months)$591.00
Prepaid interest, first (22 days)$313.87
Fees + prepaids$10,475.87
Your down payment is the seller’s equity. You take over the $78,072 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $230,403.85 is due at closing. Uses and sources reconcile at $308,475.87 each. Not a Closing Disclosure.