Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,686Cash toward the purchase price.
Closing costs + prepaids$12,397Not just lender fees.
Before credits & paid funds$208,084The complete starting cash picture.
Estimated remaining funds due at closing
$208,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,686.29
Your down payment$195,686.29
Closing costs + prepaids$12,397.41
Total buyer cash needed$208,083.70
Remaining funds due$208,083.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,285.00
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)$1,074.00
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$588.41
Fees + prepaids$12,397.41
Your down payment is the seller’s equity. You take over the $232,814 balance, so the rest of the $428,500 price is paid at closing. A second mortgage can cover part of it. $208,083.70 is due at closing. Uses and sources reconcile at $440,897.41 each. Not a Closing Disclosure.