Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$217,041Cash toward the purchase price.
Closing costs + prepaids$11,956Not just lender fees.
Before credits & paid funds$228,998The complete starting cash picture.
Estimated remaining funds due at closing
$228,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,041.25
Your down payment$217,041.25
Closing costs + prepaids$11,956.30
Total buyer cash needed$228,997.55
Remaining funds due$228,997.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,067.00
Prepaid interest, first (23 days)$465.30
Fees + prepaids$11,956.30
Your down payment is the seller’s equity. You take over the $202,859 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $228,997.55 is due at closing. Uses and sources reconcile at $431,856.30 each. Not a Closing Disclosure.