Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$223,114Cash toward the purchase price.
Closing costs + prepaids$10,083Not just lender fees.
Before credits & paid funds$233,197The complete starting cash picture.
Estimated remaining funds due at closing
$233,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,113.90
Your down payment$223,113.90
Closing costs + prepaids$10,083.49
Total buyer cash needed$233,197.39
Remaining funds due$233,197.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,930.00
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)$683.25
Initial HOA (3 months)$3.99
Prepaid interest, first (25 days)$241.25
Fees + prepaids$10,083.49
Your down payment is the seller’s equity. You take over the $69,886 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $233,197.39 is due at closing. Uses and sources reconcile at $303,083.49 each. Not a Closing Disclosure.