Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,428Cash toward the purchase price.
Closing costs + prepaids$8,847Not just lender fees.
Before credits & paid funds$21,274The complete starting cash picture.
Estimated remaining funds due at closing
$21,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,427.52
Your down payment$12,427.52
Closing costs + prepaids$8,846.78
Total buyer cash needed$21,274.30
Remaining funds due$21,274.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,280.00
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)$109.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$37.03
Fees + prepaids$8,846.78
Your down payment is the seller’s equity. You take over the $215,572 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $21,274.30 is due at closing. Uses and sources reconcile at $236,846.78 each. Not a Closing Disclosure.