Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,892Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$204,996The complete starting cash picture.
Estimated remaining funds due at closing
$204,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,891.69
Your down payment$192,891.69
Closing costs + prepaids$12,104.45
Total buyer cash needed$204,996.14
Remaining funds due$204,996.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$855.25
Initial HOA (3 months)$84.99
Prepaid interest, first (24 days)$639.22
Fees + prepaids$12,104.45
Your down payment is the seller’s equity. You take over the $237,107 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $204,996.14 is due at closing. Uses and sources reconcile at $442,103.45 each. Not a Closing Disclosure.