Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$205,469Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$218,651The complete starting cash picture.
Estimated remaining funds due at closing
$218,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,469.43
Your down payment$205,469.43
Closing costs + prepaids$13,181.42
Total buyer cash needed$218,650.84
Remaining funds due$218,650.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$1,895.75
Initial HOA (3 months)$258.99
Prepaid interest, first (25 days)$652.68
Fees + prepaids$13,181.42
Your down payment is the seller’s equity. You take over the $209,431 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $218,650.84 is due at closing. Uses and sources reconcile at $428,081.42 each. Not a Closing Disclosure.