Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,252Cash toward the purchase price.
Closing costs + prepaids$9,839Not just lender fees.
Before credits & paid funds$28,091The complete starting cash picture.
Estimated remaining funds due at closing
$28,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,251.66
Your down payment$18,251.66
Closing costs + prepaids$9,839.37
Total buyer cash needed$28,091.03
Remaining funds due$28,091.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$80.50
Initial HOA (3 months)$690.00
Prepaid interest, first (25 days)$543.87
Fees + prepaids$9,839.37
Your down payment is the seller’s equity. You take over the $211,748 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $28,091.03 is due at closing. Uses and sources reconcile at $239,839.37 each. Not a Closing Disclosure.