Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$200,892Cash toward the purchase price.
Closing costs + prepaids$13,430Not just lender fees.
Before credits & paid funds$214,322The complete starting cash picture.
Estimated remaining funds due at closing
$214,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,892.10
Your down payment$200,892.10
Closing costs + prepaids$13,429.66
Total buyer cash needed$214,321.76
Remaining funds due$214,321.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,819.95
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,398.00
Initial HOA (3 months)$138.00
Prepaid interest, first (26 days)$598.71
Fees + prepaids$13,429.66
Your down payment is the seller’s equity. You take over the $281,103 balance, so the rest of the $481,995 price is paid at closing. A second mortgage can cover part of it. $214,321.76 is due at closing. Uses and sources reconcile at $495,424.66 each. Not a Closing Disclosure.