Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$191,940Cash toward the purchase price.
Closing costs + prepaids$9,615Not just lender fees.
Before credits & paid funds$201,555The complete starting cash picture.
Estimated remaining funds due at closing
$201,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,940.06
Your down payment$191,940.06
Closing costs + prepaids$9,615.12
Total buyer cash needed$201,555.18
Remaining funds due$201,555.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,270.00
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)$271.00
Initial HOA (3 months)$720.00
Prepaid interest, first (22 days)$129.12
Fees + prepaids$9,615.12
Your down payment is the seller’s equity. You take over the $35,060 balance, so the rest of the $227,000 price is paid at closing. A second mortgage can cover part of it. $201,555.18 is due at closing. Uses and sources reconcile at $236,615.12 each. Not a Closing Disclosure.