Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$191,916Cash toward the purchase price.
Closing costs + prepaids$13,524Not just lender fees.
Before credits & paid funds$205,440The complete starting cash picture.
Estimated remaining funds due at closing
$205,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,916.07
Your down payment$191,916.07
Closing costs + prepaids$13,524.35
Total buyer cash needed$205,440.42
Remaining funds due$205,440.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$2,175.75
Initial HOA (3 months)$38.49
Prepaid interest, first (28 days)$685.12
Fees + prepaids$13,524.35
Your down payment is the seller’s equity. You take over the $248,083 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $205,440.42 is due at closing. Uses and sources reconcile at $453,523.35 each. Not a Closing Disclosure.