Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$218,831Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$229,653The complete starting cash picture.
Estimated remaining funds due at closing
$229,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,830.98
Your down payment$218,830.98
Closing costs + prepaids$10,822.04
Total buyer cash needed$229,653.02
Remaining funds due$229,653.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.99
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)$631.25
Initial HOA (3 months)$645.00
Prepaid interest, first (26 days)$220.80
Fees + prepaids$10,822.04
Your down payment is the seller’s equity. You take over the $91,168 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $229,653.02 is due at closing. Uses and sources reconcile at $320,821.04 each. Not a Closing Disclosure.