Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$219,749Cash toward the purchase price.
Closing costs + prepaids$10,147Not just lender fees.
Before credits & paid funds$229,896The complete starting cash picture.
Estimated remaining funds due at closing
$229,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,749.13
Your down payment$219,749.13
Closing costs + prepaids$10,146.97
Total buyer cash needed$229,896.10
Remaining funds due$229,896.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$517.75
Initial HOA (3 months)$1,050.00
Prepaid interest, first (27 days)$54.22
Fees + prepaids$10,146.97
Your down payment is the seller’s equity. You take over the $10,251 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $229,896.10 is due at closing. Uses and sources reconcile at $240,146.97 each. Not a Closing Disclosure.