Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$229,213Cash toward the purchase price.
Closing costs + prepaids$9,661Not just lender fees.
Before credits & paid funds$238,874The complete starting cash picture.
Estimated remaining funds due at closing
$238,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,213.29
Your down payment$229,213.29
Closing costs + prepaids$9,660.80
Total buyer cash needed$238,874.10
Remaining funds due$238,874.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$336.00
Initial HOA (3 months)$224.01
Prepaid interest, first (10 days)$76.79
Fees + prepaids$9,660.80
Your down payment is the seller’s equity. You take over the $50,687 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $238,874.10 is due at closing. Uses and sources reconcile at $289,560.80 each. Not a Closing Disclosure.