Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$183,673Cash toward the purchase price.
Closing costs + prepaids$12,850Not just lender fees.
Before credits & paid funds$196,523The complete starting cash picture.
Estimated remaining funds due at closing
$196,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,672.60
Your down payment$183,672.60
Closing costs + prepaids$12,850.38
Total buyer cash needed$196,522.99
Remaining funds due$196,522.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,551.25
Initial HOA (3 months)$200.01
Prepaid interest, first (26 days)$775.12
Fees + prepaids$12,850.38
Your down payment is the seller’s equity. You take over the $226,227 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $196,522.99 is due at closing. Uses and sources reconcile at $422,750.38 each. Not a Closing Disclosure.