Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$17,709Cash toward the purchase price.
Closing costs + prepaids$9,371Not just lender fees.
Before credits & paid funds$27,080The complete starting cash picture.
Estimated remaining funds due at closing
$27,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,708.55
Your down payment$17,708.55
Closing costs + prepaids$9,371.25
Total buyer cash needed$27,079.79
Remaining funds due$27,079.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,170.00
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)$116.00
Initial HOA (3 months)$525.00
Prepaid interest, first (20 days)$335.25
Fees + prepaids$9,371.25
Your down payment is the seller’s equity. You take over the $199,291 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $27,079.79 is due at closing. Uses and sources reconcile at $226,371.25 each. Not a Closing Disclosure.