Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,760Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$197,524The complete starting cash picture.
Estimated remaining funds due at closing
$197,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,760.20
Your down payment$185,760.20
Closing costs + prepaids$11,763.69
Total buyer cash needed$197,523.89
Remaining funds due$197,523.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$362.25
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$681.44
Fees + prepaids$11,763.69
Your down payment is the seller’s equity. You take over the $229,240 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $197,523.89 is due at closing. Uses and sources reconcile at $426,763.69 each. Not a Closing Disclosure.