Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$192,818Cash toward the purchase price.
Closing costs + prepaids$12,073Not just lender fees.
Before credits & paid funds$204,891The complete starting cash picture.
Estimated remaining funds due at closing
$204,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,818.12
Your down payment$192,818.12
Closing costs + prepaids$12,072.88
Total buyer cash needed$204,891.00
Remaining funds due$204,891.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$439.75
Initial HOA (3 months)$297.00
Prepaid interest, first (30 days)$841.13
Fees + prepaids$12,072.88
Your down payment is the seller’s equity. You take over the $234,182 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $204,891.00 is due at closing. Uses and sources reconcile at $439,072.88 each. Not a Closing Disclosure.