Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,160Cash toward the purchase price.
Closing costs + prepaids$10,423Not just lender fees.
Before credits & paid funds$36,583The complete starting cash picture.
Estimated remaining funds due at closing
$36,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,159.69
Your down payment$26,159.69
Closing costs + prepaids$10,423.37
Total buyer cash needed$36,583.07
Remaining funds due$36,583.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,111.11
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)$143.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (24 days)$744.26
Fees + prepaids$10,423.37
Your down payment is the seller’s equity. You take over the $184,951 balance, so the rest of the $211,111 price is paid at closing. A second mortgage can cover part of it. $36,583.07 is due at closing. Uses and sources reconcile at $221,534.37 each. Not a Closing Disclosure.