Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$210,822Cash toward the purchase price.
Closing costs + prepaids$11,714Not just lender fees.
Before credits & paid funds$222,537The complete starting cash picture.
Estimated remaining funds due at closing
$222,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,822.48
Your down payment$210,822.48
Closing costs + prepaids$11,714.25
Total buyer cash needed$222,536.73
Remaining funds due$222,536.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$394.00
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$633.76
Fees + prepaids$11,714.25
Your down payment is the seller’s equity. You take over the $229,078 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $222,536.73 is due at closing. Uses and sources reconcile at $451,614.25 each. Not a Closing Disclosure.