Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$203,420Cash toward the purchase price.
Closing costs + prepaids$9,551Not just lender fees.
Before credits & paid funds$212,971The complete starting cash picture.
Estimated remaining funds due at closing
$212,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,419.94
Your down payment$203,419.94
Closing costs + prepaids$9,550.91
Total buyer cash needed$212,970.85
Remaining funds due$212,970.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$270.00
Initial HOA (3 months)$750.00
Prepaid interest, first (12 days)$55.91
Fees + prepaids$9,550.91
Your down payment is the seller’s equity. You take over the $21,580 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $212,970.85 is due at closing. Uses and sources reconcile at $234,550.91 each. Not a Closing Disclosure.