Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$196,296Cash toward the purchase price.
Closing costs + prepaids$11,861Not just lender fees.
Before credits & paid funds$208,157The complete starting cash picture.
Estimated remaining funds due at closing
$208,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,296.21
Your down payment$196,296.21
Closing costs + prepaids$11,860.76
Total buyer cash needed$208,156.97
Remaining funds due$208,156.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$176.00
Initial HOA (3 months)$194.01
Prepaid interest, first (27 days)$1,075.75
Fees + prepaids$11,860.76
Your down payment is the seller’s equity. You take over the $222,704 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $208,156.97 is due at closing. Uses and sources reconcile at $430,860.76 each. Not a Closing Disclosure.