Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$12,695Cash toward the purchase price.
Closing costs + prepaids$9,549Not just lender fees.
Before credits & paid funds$22,244The complete starting cash picture.
Estimated remaining funds due at closing
$22,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,694.59
Your down payment$12,694.59
Closing costs + prepaids$9,549.46
Total buyer cash needed$22,244.05
Remaining funds due$22,244.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,280.00
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)$109.75
Initial HOA (3 months)$195.00
Prepaid interest, first (20 days)$739.71
Fees + prepaids$9,549.46
Your down payment is the seller’s equity. You take over the $215,305 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $22,244.05 is due at closing. Uses and sources reconcile at $237,549.46 each. Not a Closing Disclosure.