Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$211,758Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$222,322The complete starting cash picture.
Estimated remaining funds due at closing
$222,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,757.68
Your down payment$211,757.68
Closing costs + prepaids$10,564.70
Total buyer cash needed$222,322.38
Remaining funds due$222,322.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,860.00
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)$343.25
Initial HOA (3 months)$990.00
Prepaid interest, first (12 days)$146.45
Fees + prepaids$10,564.70
Your down payment is the seller’s equity. You take over the $74,242 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $222,322.38 is due at closing. Uses and sources reconcile at $296,564.70 each. Not a Closing Disclosure.