Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,791Cash toward the purchase price.
Closing costs + prepaids$11,959Not just lender fees.
Before credits & paid funds$213,750The complete starting cash picture.
Estimated remaining funds due at closing
$213,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,790.75
Your down payment$201,790.75
Closing costs + prepaids$11,958.88
Total buyer cash needed$213,749.64
Remaining funds due$213,749.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,210.00
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)$619.75
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$685.13
Fees + prepaids$11,958.88
Your down payment is the seller’s equity. You take over the $219,209 balance, so the rest of the $421,000 price is paid at closing. A second mortgage can cover part of it. $213,749.64 is due at closing. Uses and sources reconcile at $432,958.88 each. Not a Closing Disclosure.