Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$201,064Cash toward the purchase price.
Closing costs + prepaids$9,866Not just lender fees.
Before credits & paid funds$210,929The complete starting cash picture.
Estimated remaining funds due at closing
$210,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,063.85
Your down payment$201,063.85
Closing costs + prepaids$9,865.58
Total buyer cash needed$210,929.42
Remaining funds due$210,929.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$258.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (12 days)$32.58
Fees + prepaids$9,865.58
Your down payment is the seller’s equity. You take over the $13,936 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $210,929.42 is due at closing. Uses and sources reconcile at $224,865.58 each. Not a Closing Disclosure.