Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,641Cash toward the purchase price.
Closing costs + prepaids$13,048Not just lender fees.
Before credits & paid funds$203,689The complete starting cash picture.
Estimated remaining funds due at closing
$203,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,640.98
Your down payment$190,640.98
Closing costs + prepaids$13,047.76
Total buyer cash needed$203,688.74
Remaining funds due$203,688.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$653.00
Initial HOA (3 months)$1,425.00
Prepaid interest, first (26 days)$694.76
Fees + prepaids$13,047.76
Your down payment is the seller’s equity. You take over the $214,359 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $203,688.74 is due at closing. Uses and sources reconcile at $418,047.76 each. Not a Closing Disclosure.