Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$182,288Cash toward the purchase price.
Closing costs + prepaids$11,563Not just lender fees.
Before credits & paid funds$193,851The complete starting cash picture.
Estimated remaining funds due at closing
$193,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,288.10
Your down payment$182,288.10
Closing costs + prepaids$11,562.77
Total buyer cash needed$193,850.87
Remaining funds due$193,850.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$404.75
Initial HOA (3 months)$195.00
Prepaid interest, first (20 days)$539.02
Fees + prepaids$11,562.77
Your down payment is the seller’s equity. You take over the $237,612 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $193,850.87 is due at closing. Uses and sources reconcile at $431,462.77 each. Not a Closing Disclosure.