Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$201,471Cash toward the purchase price.
Closing costs + prepaids$10,958Not just lender fees.
Before credits & paid funds$212,428The complete starting cash picture.
Estimated remaining funds due at closing
$212,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,470.57
Your down payment$201,470.57
Closing costs + prepaids$10,957.67
Total buyer cash needed$212,428.24
Remaining funds due$212,428.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,245.00
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)$406.50
Initial HOA (3 months)$45.24
Prepaid interest, first (2 days)$35.93
Fees + prepaids$10,957.67
Your down payment is the seller’s equity. You take over the $223,029 balance, so the rest of the $424,500 price is paid at closing. A second mortgage can cover part of it. $212,428.24 is due at closing. Uses and sources reconcile at $435,457.67 each. Not a Closing Disclosure.