Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,044Cash toward the purchase price.
Closing costs + prepaids$8,875Not just lender fees.
Before credits & paid funds$65,919The complete starting cash picture.
Estimated remaining funds due at closing
$65,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,043.54
Your down payment$57,043.54
Closing costs + prepaids$8,875.40
Total buyer cash needed$65,918.94
Remaining funds due$65,918.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.90
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)$265.75
Initial HOA (3 months)$171.00
Prepaid interest, first (1 days)$13.75
Fees + prepaids$8,875.40
Your down payment is the seller’s equity. You take over the $162,946 balance, so the rest of the $219,990 price is paid at closing. A second mortgage can cover part of it. $65,918.94 is due at closing. Uses and sources reconcile at $228,865.40 each. Not a Closing Disclosure.