Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$212,761Cash toward the purchase price.
Closing costs + prepaids$11,326Not just lender fees.
Before credits & paid funds$224,087The complete starting cash picture.
Estimated remaining funds due at closing
$224,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,761.41
Your down payment$212,761.41
Closing costs + prepaids$11,325.69
Total buyer cash needed$224,087.10
Remaining funds due$224,087.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$504.00
Initial HOA (3 months)$246.00
Prepaid interest, first (9 days)$151.69
Fees + prepaids$11,325.69
Your down payment is the seller’s equity. You take over the $207,139 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $224,087.10 is due at closing. Uses and sources reconcile at $431,225.69 each. Not a Closing Disclosure.