Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$228,209Cash toward the purchase price.
Closing costs + prepaids$10,118Not just lender fees.
Before credits & paid funds$238,327The complete starting cash picture.
Estimated remaining funds due at closing
$238,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,208.84
Your down payment$228,208.84
Closing costs + prepaids$10,118.28
Total buyer cash needed$238,327.11
Remaining funds due$238,327.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$282.00
Initial HOA (3 months)$1,245.00
Prepaid interest, first (12 days)$16.28
Fees + prepaids$10,118.28
Your down payment is the seller’s equity. You take over the $6,791 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $238,327.11 is due at closing. Uses and sources reconcile at $245,118.28 each. Not a Closing Disclosure.