Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$12,149Cash toward the purchase price.
Closing costs + prepaids$9,792Not just lender fees.
Before credits & paid funds$21,941The complete starting cash picture.
Estimated remaining funds due at closing
$21,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,148.90
Your down payment$12,148.90
Closing costs + prepaids$9,792.14
Total buyer cash needed$21,941.05
Remaining funds due$21,941.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$252.00
Initial HOA (3 months)$1,020.00
Prepaid interest, first (12 days)$195.14
Fees + prepaids$9,792.14
Your down payment is the seller’s equity. You take over the $197,851 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $21,941.05 is due at closing. Uses and sources reconcile at $219,792.14 each. Not a Closing Disclosure.