Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$211,401Cash toward the purchase price.
Closing costs + prepaids$12,053Not just lender fees.
Before credits & paid funds$223,454The complete starting cash picture.
Estimated remaining funds due at closing
$223,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,400.74
Your down payment$211,400.74
Closing costs + prepaids$12,053.24
Total buyer cash needed$223,453.98
Remaining funds due$223,453.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$690.75
Initial HOA (3 months)$117.99
Prepaid interest, first (30 days)$670.50
Fees + prepaids$12,053.24
Your down payment is the seller’s equity. You take over the $223,499 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $223,453.98 is due at closing. Uses and sources reconcile at $446,953.24 each. Not a Closing Disclosure.