Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$226,486Cash toward the purchase price.
Closing costs + prepaids$13,400Not just lender fees.
Before credits & paid funds$239,886The complete starting cash picture.
Estimated remaining funds due at closing
$239,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,485.92
Your down payment$226,485.92
Closing costs + prepaids$13,399.95
Total buyer cash needed$239,885.87
Remaining funds due$239,885.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$2,186.25
Initial HOA (3 months)$48.75
Prepaid interest, first (31 days)$640.95
Fees + prepaids$13,399.95
Your down payment is the seller’s equity. You take over the $203,414 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $239,885.87 is due at closing. Uses and sources reconcile at $443,299.95 each. Not a Closing Disclosure.