Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$209,970Cash toward the purchase price.
Closing costs + prepaids$12,288Not just lender fees.
Before credits & paid funds$222,257The complete starting cash picture.
Estimated remaining funds due at closing
$222,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,969.64
Your down payment$209,969.64
Closing costs + prepaids$12,287.66
Total buyer cash needed$222,257.30
Remaining funds due$222,257.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$767.25
Initial HOA (3 months)$318.00
Prepaid interest, first (27 days)$678.41
Fees + prepaids$12,287.66
Your down payment is the seller’s equity. You take over the $219,930 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $222,257.30 is due at closing. Uses and sources reconcile at $442,187.66 each. Not a Closing Disclosure.