Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$218,798Cash toward the purchase price.
Closing costs + prepaids$12,985Not just lender fees.
Before credits & paid funds$231,783The complete starting cash picture.
Estimated remaining funds due at closing
$231,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,797.80
Your down payment$218,797.80
Closing costs + prepaids$12,984.88
Total buyer cash needed$231,782.68
Remaining funds due$231,782.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,361.00
Initial HOA (3 months)$621.00
Prepaid interest, first (23 days)$478.88
Fees + prepaids$12,984.88
Your down payment is the seller’s equity. You take over the $211,102 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $231,782.68 is due at closing. Uses and sources reconcile at $442,884.88 each. Not a Closing Disclosure.