Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,670Cash toward the purchase price.
Closing costs + prepaids$11,759Not just lender fees.
Before credits & paid funds$198,429The complete starting cash picture.
Estimated remaining funds due at closing
$198,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,670.07
Your down payment$186,670.07
Closing costs + prepaids$11,759.36
Total buyer cash needed$198,429.43
Remaining funds due$198,429.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$750.50
Initial HOA (3 months)$141.99
Prepaid interest, first (24 days)$541.87
Fees + prepaids$11,759.36
Your down payment is the seller’s equity. You take over the $223,330 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $198,429.43 is due at closing. Uses and sources reconcile at $421,759.36 each. Not a Closing Disclosure.