Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$192,524Cash toward the purchase price.
Closing costs + prepaids$11,836Not just lender fees.
Before credits & paid funds$204,360The complete starting cash picture.
Estimated remaining funds due at closing
$204,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,523.92
Your down payment$192,523.92
Closing costs + prepaids$11,836.40
Total buyer cash needed$204,360.32
Remaining funds due$204,360.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$355.25
Initial HOA (3 months)$229.26
Prepaid interest, first (31 days)$826.89
Fees + prepaids$11,836.40
Your down payment is the seller’s equity. You take over the $227,476 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $204,360.32 is due at closing. Uses and sources reconcile at $431,836.40 each. Not a Closing Disclosure.