Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$192,764Cash toward the purchase price.
Closing costs + prepaids$18,470Not just lender fees.
Before credits & paid funds$211,235The complete starting cash picture.
Estimated remaining funds due at closing
$211,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,764.22
Your down payment$192,764.22
Closing costs + prepaids$18,470.33
Total buyer cash needed$211,234.55
Remaining funds due$211,234.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,162.50
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$57.83
Fees + prepaids$18,470.33
Your down payment is the seller’s equity. You take over the $672,236 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $211,234.55 is due at closing. Uses and sources reconcile at $883,470.33 each. Not a Closing Disclosure.