Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,636Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$207,957The complete starting cash picture.
Estimated remaining funds due at closing
$207,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,636.07
Your down payment$195,636.07
Closing costs + prepaids$12,320.75
Total buyer cash needed$207,956.83
Remaining funds due$207,956.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$987.25
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$539.50
Fees + prepaids$12,320.75
Your down payment is the seller’s equity. You take over the $249,264 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $207,956.83 is due at closing. Uses and sources reconcile at $457,220.75 each. Not a Closing Disclosure.