Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,717Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$205,688The complete starting cash picture.
Estimated remaining funds due at closing
$205,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,716.81
Your down payment$193,716.81
Closing costs + prepaids$11,971.21
Total buyer cash needed$205,688.03
Remaining funds due$205,688.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$382.50
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$718.71
Fees + prepaids$11,971.21
Your down payment is the seller’s equity. You take over the $245,283 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $205,688.03 is due at closing. Uses and sources reconcile at $450,971.21 each. Not a Closing Disclosure.