Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$8,293Cash toward the purchase price.
Closing costs + prepaids$9,520Not just lender fees.
Before credits & paid funds$17,813The complete starting cash picture.
Estimated remaining funds due at closing
$17,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,292.83
Your down payment$8,292.83
Closing costs + prepaids$9,519.91
Total buyer cash needed$17,812.74
Remaining funds due$17,812.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,089.00
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)$73.50
Initial HOA (3 months)$585.00
Prepaid interest, first (20 days)$547.41
Fees + prepaids$9,519.91
Your down payment is the seller’s equity. You take over the $200,607 balance, so the rest of the $208,900 price is paid at closing. A second mortgage can cover part of it. $17,812.74 is due at closing. Uses and sources reconcile at $218,419.91 each. Not a Closing Disclosure.