Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$199,354Cash toward the purchase price.
Closing costs + prepaids$9,911Not just lender fees.
Before credits & paid funds$209,265The complete starting cash picture.
Estimated remaining funds due at closing
$209,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,354.32
Your down payment$199,354.32
Closing costs + prepaids$9,911.05
Total buyer cash needed$209,265.37
Remaining funds due$209,265.37
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)$258.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (6 days)$18.05
Fees + prepaids$9,911.05
Your down payment is the seller’s equity. You take over the $15,646 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $209,265.37 is due at closing. Uses and sources reconcile at $224,911.05 each. Not a Closing Disclosure.