Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,281Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$53,565The complete starting cash picture.
Estimated remaining funds due at closing
$53,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,280.98
Your down payment$44,280.98
Closing costs + prepaids$9,284.44
Total buyer cash needed$53,565.42
Remaining funds due$53,565.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,330.00
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)$279.50
Initial HOA (3 months)$300.00
Prepaid interest, first (10 days)$149.94
Fees + prepaids$9,284.44
Your down payment is the seller’s equity. You take over the $188,719 balance, so the rest of the $233,000 price is paid at closing. A second mortgage can cover part of it. $53,565.42 is due at closing. Uses and sources reconcile at $242,284.44 each. Not a Closing Disclosure.