Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$219,065Cash toward the purchase price.
Closing costs + prepaids$9,696Not just lender fees.
Before credits & paid funds$228,760The complete starting cash picture.
Estimated remaining funds due at closing
$228,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,064.54
Your down payment$219,064.54
Closing costs + prepaids$9,695.67
Total buyer cash needed$228,760.21
Remaining funds due$228,760.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$252.50
Initial HOA (3 months)$293.01
Prepaid interest, first (2 days)$26.16
Fees + prepaids$9,695.67
Your down payment is the seller’s equity. You take over the $70,835 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $228,760.21 is due at closing. Uses and sources reconcile at $299,595.67 each. Not a Closing Disclosure.