Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,970Cash toward the purchase price.
Closing costs + prepaids$9,000Not just lender fees.
Before credits & paid funds$16,970The complete starting cash picture.
Estimated remaining funds due at closing
$16,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,969.72
Your down payment$7,969.72
Closing costs + prepaids$8,999.91
Total buyer cash needed$16,969.63
Remaining funds due$16,969.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,089.00
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)$73.50
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$27.41
Fees + prepaids$8,999.91
Your down payment is the seller’s equity. You take over the $200,930 balance, so the rest of the $208,900 price is paid at closing. A second mortgage can cover part of it. $16,969.63 is due at closing. Uses and sources reconcile at $217,899.91 each. Not a Closing Disclosure.