Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$224,896Cash toward the purchase price.
Closing costs + prepaids$12,148Not just lender fees.
Before credits & paid funds$237,043The complete starting cash picture.
Estimated remaining funds due at closing
$237,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,895.76
Your down payment$224,895.76
Closing costs + prepaids$12,147.57
Total buyer cash needed$237,043.33
Remaining funds due$237,043.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$955.00
Initial HOA (3 months)$231.00
Prepaid interest, first (26 days)$537.57
Fees + prepaids$12,147.57
Your down payment is the seller’s equity. You take over the $195,004 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $237,043.33 is due at closing. Uses and sources reconcile at $432,047.57 each. Not a Closing Disclosure.