Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,358Cash toward the purchase price.
Closing costs + prepaids$12,089Not just lender fees.
Before credits & paid funds$233,446The complete starting cash picture.
Estimated remaining funds due at closing
$233,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,357.58
Your down payment$221,357.58
Closing costs + prepaids$12,088.90
Total buyer cash needed$233,446.48
Remaining funds due$233,446.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$935.50
Initial HOA (3 months)$279.00
Prepaid interest, first (28 days)$459.40
Fees + prepaids$12,088.90
Your down payment is the seller’s equity. You take over the $197,642 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $233,446.48 is due at closing. Uses and sources reconcile at $431,088.90 each. Not a Closing Disclosure.