Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$202,102Cash toward the purchase price.
Closing costs + prepaids$11,652Not just lender fees.
Before credits & paid funds$213,754The complete starting cash picture.
Estimated remaining funds due at closing
$213,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,101.51
Your down payment$202,101.51
Closing costs + prepaids$11,652.15
Total buyer cash needed$213,753.66
Remaining funds due$213,753.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$675.50
Initial HOA (3 months)$62.49
Prepaid interest, first (28 days)$499.16
Fees + prepaids$11,652.15
Your down payment is the seller’s equity. You take over the $216,898 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $213,753.66 is due at closing. Uses and sources reconcile at $430,652.15 each. Not a Closing Disclosure.