Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$181,875Cash toward the purchase price.
Closing costs + prepaids$11,346Not just lender fees.
Before credits & paid funds$193,221The complete starting cash picture.
Estimated remaining funds due at closing
$193,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,875.24
Your down payment$181,875.24
Closing costs + prepaids$11,345.55
Total buyer cash needed$193,220.80
Remaining funds due$193,220.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$504.00
Initial HOA (3 months)$204.00
Prepaid interest, first (9 days)$212.55
Fees + prepaids$11,345.55
Your down payment is the seller’s equity. You take over the $238,125 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $193,220.80 is due at closing. Uses and sources reconcile at $431,345.55 each. Not a Closing Disclosure.