Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$191,721Cash toward the purchase price.
Closing costs + prepaids$12,223Not just lender fees.
Before credits & paid funds$203,944The complete starting cash picture.
Estimated remaining funds due at closing
$203,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,720.99
Your down payment$191,720.99
Closing costs + prepaids$12,222.66
Total buyer cash needed$203,943.65
Remaining funds due$203,943.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$1,070.00
Prepaid interest, first (29 days)$647.66
Fees + prepaids$12,222.66
Your down payment is the seller’s equity. You take over the $236,279 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $203,943.65 is due at closing. Uses and sources reconcile at $440,222.66 each. Not a Closing Disclosure.