Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$214,971Cash toward the purchase price.
Closing costs + prepaids$9,793Not just lender fees.
Before credits & paid funds$224,763The complete starting cash picture.
Estimated remaining funds due at closing
$224,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,970.61
Your down payment$214,970.61
Closing costs + prepaids$9,792.74
Total buyer cash needed$224,763.35
Remaining funds due$224,763.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$127.75
Initial HOA (3 months)$525.00
Prepaid interest, first (23 days)$215.99
Fees + prepaids$9,792.74
Your down payment is the seller’s equity. You take over the $54,929 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $224,763.35 is due at closing. Uses and sources reconcile at $279,692.74 each. Not a Closing Disclosure.