Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$11,827Cash toward the purchase price.
Closing costs + prepaids$9,546Not just lender fees.
Before credits & paid funds$21,373The complete starting cash picture.
Estimated remaining funds due at closing
$21,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,826.74
Your down payment$11,826.74
Closing costs + prepaids$9,546.02
Total buyer cash needed$21,372.76
Remaining funds due$21,372.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,135.00
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)$256.25
Initial HOA (3 months)$705.00
Prepaid interest, first (6 days)$224.77
Fees + prepaids$9,546.02
Your down payment is the seller’s equity. You take over the $201,673 balance, so the rest of the $213,500 price is paid at closing. A second mortgage can cover part of it. $21,372.76 is due at closing. Uses and sources reconcile at $223,046.02 each. Not a Closing Disclosure.