Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,099Cash toward the purchase price.
Closing costs + prepaids$11,038Not just lender fees.
Before credits & paid funds$205,137The complete starting cash picture.
Estimated remaining funds due at closing
$205,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,099.30
Your down payment$194,099.30
Closing costs + prepaids$11,038.20
Total buyer cash needed$205,137.50
Remaining funds due$205,137.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$1,062.50
Initial HOA (3 months)$1,215.00
Prepaid interest, first (28 days)$145.70
Fees + prepaids$11,038.20
Your down payment is the seller’s equity. You take over the $44,901 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $205,137.50 is due at closing. Uses and sources reconcile at $250,038.20 each. Not a Closing Disclosure.