Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$201,886Cash toward the purchase price.
Closing costs + prepaids$27,353Not just lender fees.
Before credits & paid funds$229,239The complete starting cash picture.
Estimated remaining funds due at closing
$229,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,885.92
Your down payment$201,885.92
Closing costs + prepaids$27,353.10
Total buyer cash needed$229,239.03
Remaining funds due$229,239.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,975.00
Initial HOA (3 months)$678.00
Prepaid interest, first (26 days)$4,575.10
Fees + prepaids$27,353.10
Your down payment is the seller’s equity. You take over the $988,114 balance, so the rest of the $1,190,000 price is paid at closing. A second mortgage can cover part of it. $229,239.03 is due at closing. Uses and sources reconcile at $1,217,353.10 each. Not a Closing Disclosure.