Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$210,436Cash toward the purchase price.
Closing costs + prepaids$11,730Not just lender fees.
Before credits & paid funds$222,166The complete starting cash picture.
Estimated remaining funds due at closing
$222,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,436.20
Your down payment$210,436.20
Closing costs + prepaids$11,729.73
Total buyer cash needed$222,165.93
Remaining funds due$222,165.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$951.50
Initial HOA (3 months)$618.00
Prepaid interest, first (23 days)$336.23
Fees + prepaids$11,729.73
Your down payment is the seller’s equity. You take over the $149,464 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $222,165.93 is due at closing. Uses and sources reconcile at $371,629.73 each. Not a Closing Disclosure.