Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$215,466Cash toward the purchase price.
Closing costs + prepaids$11,704Not just lender fees.
Before credits & paid funds$227,171The complete starting cash picture.
Estimated remaining funds due at closing
$227,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,466.33
Your down payment$215,466.33
Closing costs + prepaids$11,704.37
Total buyer cash needed$227,170.70
Remaining funds due$227,170.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$378.75
Initial HOA (3 months)$315.00
Prepaid interest, first (20 days)$395.62
Fees + prepaids$11,704.37
Your down payment is the seller’s equity. You take over the $223,534 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $227,170.70 is due at closing. Uses and sources reconcile at $450,704.37 each. Not a Closing Disclosure.