Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$162Cash toward the purchase price.
Closing costs + prepaids$9,649Not just lender fees.
Before credits & paid funds$9,811The complete starting cash picture.
Estimated remaining funds due at closing
$9,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162.02
Your down payment$162.02
Closing costs + prepaids$9,649.42
Total buyer cash needed$9,811.44
Remaining funds due$9,811.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$474.75
Initial HOA (3 months)$810.00
Prepaid interest, first (2 days)$39.67
Fees + prepaids$9,649.42
Your down payment is the seller’s equity. You take over the $209,838 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $9,811.44 is due at closing. Uses and sources reconcile at $219,649.42 each. Not a Closing Disclosure.