Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$188,220Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$199,839The complete starting cash picture.
Estimated remaining funds due at closing
$199,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,220.34
Your down payment$188,220.34
Closing costs + prepaids$11,618.65
Total buyer cash needed$199,839.00
Remaining funds due$199,839.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$537.50
Initial HOA (3 months)$180.00
Prepaid interest, first (16 days)$377.15
Fees + prepaids$11,618.65
Your down payment is the seller’s equity. You take over the $241,680 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $199,839.00 is due at closing. Uses and sources reconcile at $441,518.65 each. Not a Closing Disclosure.