Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,306Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$198,677The complete starting cash picture.
Estimated remaining funds due at closing
$198,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,305.78
Your down payment$186,305.78
Closing costs + prepaids$12,370.85
Total buyer cash needed$198,676.64
Remaining funds due$198,676.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$992.75
Initial HOA (3 months)$213.99
Prepaid interest, first (26 days)$739.11
Fees + prepaids$12,370.85
Your down payment is the seller’s equity. You take over the $233,694 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $198,676.64 is due at closing. Uses and sources reconcile at $432,370.85 each. Not a Closing Disclosure.