Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$180,022Cash toward the purchase price.
Closing costs + prepaids$11,237Not just lender fees.
Before credits & paid funds$191,259The complete starting cash picture.
Estimated remaining funds due at closing
$191,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,021.96
Your down payment$180,021.96
Closing costs + prepaids$11,237.42
Total buyer cash needed$191,259.38
Remaining funds due$191,259.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$146.50
Initial HOA (3 months)$12.51
Prepaid interest, first (31 days)$713.41
Fees + prepaids$11,237.42
Your down payment is the seller’s equity. You take over the $233,978 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $191,259.38 is due at closing. Uses and sources reconcile at $425,237.42 each. Not a Closing Disclosure.