Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,791Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$213,728The complete starting cash picture.
Estimated remaining funds due at closing
$213,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,790.75
Your down payment$201,790.75
Closing costs + prepaids$11,936.78
Total buyer cash needed$213,727.54
Remaining funds due$213,727.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,210.00
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)$619.75
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$663.03
Fees + prepaids$11,936.78
Your down payment is the seller’s equity. You take over the $219,209 balance, so the rest of the $421,000 price is paid at closing. A second mortgage can cover part of it. $213,727.54 is due at closing. Uses and sources reconcile at $432,936.78 each. Not a Closing Disclosure.