Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$192,283Cash toward the purchase price.
Closing costs + prepaids$10,519Not just lender fees.
Before credits & paid funds$202,802The complete starting cash picture.
Estimated remaining funds due at closing
$202,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,283.27
Your down payment$192,283.27
Closing costs + prepaids$10,518.69
Total buyer cash needed$202,801.96
Remaining funds due$202,801.96
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)$597.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (22 days)$211.19
Fees + prepaids$10,518.69
Your down payment is the seller’s equity. You take over the $46,717 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $202,801.96 is due at closing. Uses and sources reconcile at $249,518.69 each. Not a Closing Disclosure.