Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$222,010Cash toward the purchase price.
Closing costs + prepaids$9,656Not just lender fees.
Before credits & paid funds$231,666The complete starting cash picture.
Estimated remaining funds due at closing
$231,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,010.18
Your down payment$222,010.18
Closing costs + prepaids$9,656.05
Total buyer cash needed$231,666.23
Remaining funds due$231,666.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,310.00
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)$695.00
Initial HOA (3 months)$380.01
Prepaid interest, first (26 days)$46.04
Fees + prepaids$9,656.05
Your down payment is the seller’s equity. You take over the $8,990 balance, so the rest of the $231,000 price is paid at closing. A second mortgage can cover part of it. $231,666.23 is due at closing. Uses and sources reconcile at $240,656.05 each. Not a Closing Disclosure.