Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$196,422Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$207,866The complete starting cash picture.
Estimated remaining funds due at closing
$207,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,422.31
Your down payment$196,422.31
Closing costs + prepaids$11,443.83
Total buyer cash needed$207,866.15
Remaining funds due$207,866.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$448.25
Prepaid interest, first (23 days)$570.58
Fees + prepaids$11,443.83
Your down payment is the seller’s equity. You take over the $223,578 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $207,866.15 is due at closing. Uses and sources reconcile at $431,443.83 each. Not a Closing Disclosure.