Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$191,167Cash toward the purchase price.
Closing costs + prepaids$12,099Not just lender fees.
Before credits & paid funds$203,266The complete starting cash picture.
Estimated remaining funds due at closing
$203,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,166.95
Your down payment$191,166.95
Closing costs + prepaids$12,099.00
Total buyer cash needed$203,265.95
Remaining funds due$203,265.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$756.00
Initial HOA (3 months)$116.25
Prepaid interest, first (29 days)$602.75
Fees + prepaids$12,099.00
Your down payment is the seller’s equity. You take over the $248,733 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $203,265.95 is due at closing. Uses and sources reconcile at $451,999.00 each. Not a Closing Disclosure.