Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$205,119Cash toward the purchase price.
Closing costs + prepaids$13,977Not just lender fees.
Before credits & paid funds$219,096The complete starting cash picture.
Estimated remaining funds due at closing
$219,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,119.15
Your down payment$205,119.15
Closing costs + prepaids$13,976.67
Total buyer cash needed$219,095.82
Remaining funds due$219,095.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$2,484.25
Initial HOA (3 months)$267.99
Prepaid interest, first (27 days)$599.43
Fees + prepaids$13,976.67
Your down payment is the seller’s equity. You take over the $234,881 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $219,095.82 is due at closing. Uses and sources reconcile at $453,976.67 each. Not a Closing Disclosure.