Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$209,136Cash toward the purchase price.
Closing costs + prepaids$11,475Not just lender fees.
Before credits & paid funds$220,611The complete starting cash picture.
Estimated remaining funds due at closing
$220,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,136.00
Your down payment$209,136.00
Closing costs + prepaids$11,474.53
Total buyer cash needed$220,610.53
Remaining funds due$220,610.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$528.00
Initial HOA (3 months)$165.00
Prepaid interest, first (9 days)$156.54
Fees + prepaids$11,474.53
Your down payment is the seller’s equity. You take over the $230,863 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $220,610.53 is due at closing. Uses and sources reconcile at $451,473.53 each. Not a Closing Disclosure.