Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$218,843Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$231,010The complete starting cash picture.
Estimated remaining funds due at closing
$231,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,843.49
Your down payment$218,843.49
Closing costs + prepaids$12,166.10
Total buyer cash needed$231,009.59
Remaining funds due$231,009.59
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)$1,252.00
Initial HOA (3 months)$51.24
Prepaid interest, first (26 days)$537.86
Fees + prepaids$12,166.10
Your down payment is the seller’s equity. You take over the $191,157 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $231,009.59 is due at closing. Uses and sources reconcile at $422,166.10 each. Not a Closing Disclosure.