Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$593Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$10,618The complete starting cash picture.
Estimated remaining funds due at closing
$10,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$592.83
Your down payment$592.83
Closing costs + prepaids$10,025.41
Total buyer cash needed$10,618.24
Remaining funds due$10,618.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$474.75
Initial HOA (3 months)$810.00
Prepaid interest, first (21 days)$415.66
Fees + prepaids$10,025.41
Your down payment is the seller’s equity. You take over the $209,407 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $10,618.24 is due at closing. Uses and sources reconcile at $220,025.41 each. Not a Closing Disclosure.