Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$198,092Cash toward the purchase price.
Closing costs + prepaids$13,230Not just lender fees.
Before credits & paid funds$211,322The complete starting cash picture.
Estimated remaining funds due at closing
$211,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,091.73
Your down payment$198,091.73
Closing costs + prepaids$13,230.49
Total buyer cash needed$211,322.22
Remaining funds due$211,322.22
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)$1,859.50
Initial HOA (3 months)$270.00
Prepaid interest, first (25 days)$476.99
Fees + prepaids$13,230.49
Your down payment is the seller’s equity. You take over the $241,808 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $211,322.22 is due at closing. Uses and sources reconcile at $453,130.49 each. Not a Closing Disclosure.