Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$197,741Cash toward the purchase price.
Closing costs + prepaids$9,407Not just lender fees.
Before credits & paid funds$207,148The complete starting cash picture.
Estimated remaining funds due at closing
$207,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,740.76
Your down payment$197,740.76
Closing costs + prepaids$9,406.87
Total buyer cash needed$207,147.63
Remaining funds due$207,147.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$264.00
Initial HOA (3 months)$675.00
Prepaid interest, first (10 days)$42.87
Fees + prepaids$9,406.87
Your down payment is the seller’s equity. You take over the $22,259 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $207,147.63 is due at closing. Uses and sources reconcile at $229,406.87 each. Not a Closing Disclosure.