Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$201,555Cash toward the purchase price.
Closing costs + prepaids$9,445Not just lender fees.
Before credits & paid funds$211,000The complete starting cash picture.
Estimated remaining funds due at closing
$211,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,554.58
Your down payment$201,554.58
Closing costs + prepaids$9,445.40
Total buyer cash needed$210,999.98
Remaining funds due$210,999.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,049.00
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)$182.50
Initial HOA (3 months)$975.00
Prepaid interest, first (19 days)$13.90
Fees + prepaids$9,445.40
Your down payment is the seller’s equity. You take over the $3,345 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $210,999.98 is due at closing. Uses and sources reconcile at $214,345.40 each. Not a Closing Disclosure.