Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$187,761Cash toward the purchase price.
Closing costs + prepaids$11,603Not just lender fees.
Before credits & paid funds$199,364The complete starting cash picture.
Estimated remaining funds due at closing
$199,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,761.16
Your down payment$187,761.16
Closing costs + prepaids$11,602.62
Total buyer cash needed$199,363.78
Remaining funds due$199,363.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,348.00
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)$521.75
Initial HOA (3 months)$294.00
Prepaid interest, first (10 days)$213.87
Fees + prepaids$11,602.62
Your down payment is the seller’s equity. You take over the $247,039 balance, so the rest of the $434,800 price is paid at closing. A second mortgage can cover part of it. $199,363.78 is due at closing. Uses and sources reconcile at $446,402.62 each. Not a Closing Disclosure.