Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$189,857Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$201,014The complete starting cash picture.
Estimated remaining funds due at closing
$201,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,856.93
Your down payment$189,856.93
Closing costs + prepaids$11,156.93
Total buyer cash needed$201,013.87
Remaining funds due$201,013.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$492.00
Initial HOA (3 months)$176.01
Prepaid interest, first (9 days)$163.93
Fees + prepaids$11,156.93
Your down payment is the seller’s equity. You take over the $220,142 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $201,013.87 is due at closing. Uses and sources reconcile at $421,155.93 each. Not a Closing Disclosure.