Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,361Cash toward the purchase price.
Closing costs + prepaids$9,160Not just lender fees.
Before credits & paid funds$197,521The complete starting cash picture.
Estimated remaining funds due at closing
$197,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,360.90
Your down payment$188,360.90
Closing costs + prepaids$9,159.79
Total buyer cash needed$197,520.69
Remaining funds due$197,520.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$94.75
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$5.04
Fees + prepaids$9,159.79
Your down payment is the seller’s equity. You take over the $30,639 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $197,520.69 is due at closing. Uses and sources reconcile at $228,159.79 each. Not a Closing Disclosure.