Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,245Cash toward the purchase price.
Closing costs + prepaids$9,187Not just lender fees.
Before credits & paid funds$26,431The complete starting cash picture.
Estimated remaining funds due at closing
$26,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,244.63
Your down payment$17,244.63
Closing costs + prepaids$9,186.53
Total buyer cash needed$26,431.16
Remaining funds due$26,431.16
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)$100.50
Initial HOA (3 months)$675.00
Prepaid interest, first (1 days)$36.03
Fees + prepaids$9,186.53
Your down payment is the seller’s equity. You take over the $197,755 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $26,431.16 is due at closing. Uses and sources reconcile at $224,186.53 each. Not a Closing Disclosure.