Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$13,399Cash toward the purchase price.
Closing costs + prepaids$10,032Not just lender fees.
Before credits & paid funds$23,431The complete starting cash picture.
Estimated remaining funds due at closing
$23,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,398.59
Your down payment$13,398.59
Closing costs + prepaids$10,031.94
Total buyer cash needed$23,430.53
Remaining funds due$23,430.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,080.00
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)$965.50
Initial HOA (3 months)$333.00
Prepaid interest, first (28 days)$428.44
Fees + prepaids$10,031.94
Your down payment is the seller’s equity. You take over the $194,601 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $23,430.53 is due at closing. Uses and sources reconcile at $218,031.94 each. Not a Closing Disclosure.