Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,711Cash toward the purchase price.
Closing costs + prepaids$9,029Not just lender fees.
Before credits & paid funds$10,740The complete starting cash picture.
Estimated remaining funds due at closing
$10,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,711.32
Your down payment$1,711.32
Closing costs + prepaids$9,028.77
Total buyer cash needed$10,740.09
Remaining funds due$10,740.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,944.00
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)$122.25
Initial HOA (3 months)$705.00
Prepaid interest, first (1 days)$32.52
Fees + prepaids$9,028.77
Your down payment is the seller’s equity. You take over the $192,689 balance, so the rest of the $194,400 price is paid at closing. A second mortgage can cover part of it. $10,740.09 is due at closing. Uses and sources reconcile at $203,428.77 each. Not a Closing Disclosure.