Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$228,937Cash toward the purchase price.
Closing costs + prepaids$9,428Not just lender fees.
Before credits & paid funds$238,365The complete starting cash picture.
Estimated remaining funds due at closing
$238,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,937.11
Your down payment$228,937.11
Closing costs + prepaids$9,427.81
Total buyer cash needed$238,364.92
Remaining funds due$238,364.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,369.00
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)$350.50
Initial HOA (3 months)$450.00
Prepaid interest, first (22 days)$33.31
Fees + prepaids$9,427.81
Your down payment is the seller’s equity. You take over the $7,963 balance, so the rest of the $236,900 price is paid at closing. A second mortgage can cover part of it. $238,364.92 is due at closing. Uses and sources reconcile at $246,327.81 each. Not a Closing Disclosure.