Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,414Cash toward the purchase price.
Closing costs + prepaids$9,287Not just lender fees.
Before credits & paid funds$66,701The complete starting cash picture.
Estimated remaining funds due at closing
$66,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,413.60
Your down payment$57,413.60
Closing costs + prepaids$9,286.93
Total buyer cash needed$66,700.53
Remaining funds due$66,700.53
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 (31 days)$425.28
Fees + prepaids$9,286.93
Your down payment is the seller’s equity. You take over the $162,576 balance, so the rest of the $219,990 price is paid at closing. A second mortgage can cover part of it. $66,700.53 is due at closing. Uses and sources reconcile at $229,276.93 each. Not a Closing Disclosure.