Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$17,441Cash toward the purchase price.
Closing costs + prepaids$9,668Not just lender fees.
Before credits & paid funds$27,109The complete starting cash picture.
Estimated remaining funds due at closing
$27,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,440.92
Your down payment$17,440.92
Closing costs + prepaids$9,667.94
Total buyer cash needed$27,108.86
Remaining funds due$27,108.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$258.00
Initial HOA (3 months)$675.00
Prepaid interest, first (10 days)$359.94
Fees + prepaids$9,667.94
Your down payment is the seller’s equity. You take over the $197,559 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $27,108.86 is due at closing. Uses and sources reconcile at $224,667.94 each. Not a Closing Disclosure.