Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$177,329Cash toward the purchase price.
Closing costs + prepaids$27,453Not just lender fees.
Before credits & paid funds$204,782The complete starting cash picture.
Estimated remaining funds due at closing
$204,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,328.95
Your down payment$177,328.95
Closing costs + prepaids$27,452.90
Total buyer cash needed$204,781.86
Remaining funds due$204,781.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,999.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,000.00
Initial HOA (3 months)$780.00
Prepaid interest, first (25 days)$4,447.91
Fees + prepaids$27,452.90
Your down payment is the seller’s equity. You take over the $1,022,670 balance, so the rest of the $1,199,999 price is paid at closing. A second mortgage can cover part of it. $204,781.86 is due at closing. Uses and sources reconcile at $1,227,451.90 each. Not a Closing Disclosure.