Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$201,555Cash toward the purchase price.
Closing costs + prepaids$9,502Not just lender fees.
Before credits & paid funds$211,056The complete starting cash picture.
Estimated remaining funds due at closing
$211,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,554.58
Your down payment$201,554.58
Closing costs + prepaids$9,501.58
Total buyer cash needed$211,056.16
Remaining funds due$211,056.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,049.00
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)$246.00
Initial HOA (3 months)$975.00
Prepaid interest, first (9 days)$6.58
Fees + prepaids$9,501.58
Your down payment is the seller’s equity. You take over the $3,345 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $211,056.16 is due at closing. Uses and sources reconcile at $214,401.58 each. Not a Closing Disclosure.