Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,454Cash toward the purchase price.
Closing costs + prepaids$11,957Not just lender fees.
Before credits & paid funds$222,411The complete starting cash picture.
Estimated remaining funds due at closing
$222,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,454.26
Your down payment$210,454.26
Closing costs + prepaids$11,957.22
Total buyer cash needed$222,411.48
Remaining funds due$222,411.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$850.25
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$644.46
Fees + prepaids$11,957.22
Your down payment is the seller’s equity. You take over the $204,546 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $222,411.48 is due at closing. Uses and sources reconcile at $426,957.22 each. Not a Closing Disclosure.