Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,472Cash toward the purchase price.
Closing costs + prepaids$9,770Not just lender fees.
Before credits & paid funds$212,241The complete starting cash picture.
Estimated remaining funds due at closing
$212,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,471.72
Your down payment$202,471.72
Closing costs + prepaids$9,769.78
Total buyer cash needed$212,241.50
Remaining funds due$212,241.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,280.00
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)$117.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$97.53
Fees + prepaids$9,769.78
Your down payment is the seller’s equity. You take over the $25,528 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $212,241.50 is due at closing. Uses and sources reconcile at $237,769.78 each. Not a Closing Disclosure.