Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,993Cash toward the purchase price.
Closing costs + prepaids$11,968Not just lender fees.
Before credits & paid funds$213,961The complete starting cash picture.
Estimated remaining funds due at closing
$213,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,993.41
Your down payment$201,993.41
Closing costs + prepaids$11,967.71
Total buyer cash needed$213,961.11
Remaining funds due$213,961.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$311.25
Initial HOA (3 months)$594.00
Prepaid interest, first (31 days)$687.46
Fees + prepaids$11,967.71
Your down payment is the seller’s equity. You take over the $213,007 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $213,961.11 is due at closing. Uses and sources reconcile at $426,967.71 each. Not a Closing Disclosure.