Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,593Cash toward the purchase price.
Closing costs + prepaids$9,691Not just lender fees.
Before credits & paid funds$203,284The complete starting cash picture.
Estimated remaining funds due at closing
$203,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,593.10
Your down payment$193,593.10
Closing costs + prepaids$9,691.02
Total buyer cash needed$203,284.12
Remaining funds due$203,284.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$418.00
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$199.02
Fees + prepaids$9,691.02
Your down payment is the seller’s equity. You take over the $46,307 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $203,284.12 is due at closing. Uses and sources reconcile at $249,591.02 each. Not a Closing Disclosure.