Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,871Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$212,808The complete starting cash picture.
Estimated remaining funds due at closing
$212,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,870.75
Your down payment$200,870.75
Closing costs + prepaids$11,937.32
Total buyer cash needed$212,808.07
Remaining funds due$212,808.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$775.75
Initial HOA (3 months)$191.01
Prepaid interest, first (18 days)$346.56
Fees + prepaids$11,937.32
Your down payment is the seller’s equity. You take over the $239,029 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $212,808.07 is due at closing. Uses and sources reconcile at $451,837.32 each. Not a Closing Disclosure.