Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$201,789Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$213,760The complete starting cash picture.
Estimated remaining funds due at closing
$213,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,788.97
Your down payment$201,788.97
Closing costs + prepaids$11,970.68
Total buyer cash needed$213,759.66
Remaining funds due$213,759.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,049.75
Prepaid interest, first (28 days)$496.93
Fees + prepaids$11,970.68
Your down payment is the seller’s equity. You take over the $218,111 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $213,759.66 is due at closing. Uses and sources reconcile at $431,870.68 each. Not a Closing Disclosure.