Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$225,306Cash toward the purchase price.
Closing costs + prepaids$11,365Not just lender fees.
Before credits & paid funds$236,671The complete starting cash picture.
Estimated remaining funds due at closing
$236,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,306.24
Your down payment$225,306.24
Closing costs + prepaids$11,365.03
Total buyer cash needed$236,671.27
Remaining funds due$236,671.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,095.00
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)$512.00
Initial HOA (3 months)$231.00
Prepaid interest, first (15 days)$302.03
Fees + prepaids$11,365.03
Your down payment is the seller’s equity. You take over the $184,194 balance, so the rest of the $409,500 price is paid at closing. A second mortgage can cover part of it. $236,671.27 is due at closing. Uses and sources reconcile at $420,865.03 each. Not a Closing Disclosure.