Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,198Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$212,674The complete starting cash picture.
Estimated remaining funds due at closing
$212,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,198.27
Your down payment$201,198.27
Closing costs + prepaids$11,475.50
Total buyer cash needed$212,673.77
Remaining funds due$212,673.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$429.00
Initial HOA (3 months)$318.00
Prepaid interest, first (31 days)$453.50
Fees + prepaids$11,475.50
Your down payment is the seller’s equity. You take over the $203,802 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $212,673.77 is due at closing. Uses and sources reconcile at $416,475.50 each. Not a Closing Disclosure.