Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$196,459Cash toward the purchase price.
Closing costs + prepaids$11,116Not just lender fees.
Before credits & paid funds$207,575The complete starting cash picture.
Estimated remaining funds due at closing
$207,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,459.09
Your down payment$196,459.09
Closing costs + prepaids$11,115.84
Total buyer cash needed$207,574.93
Remaining funds due$207,574.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$512.50
Prepaid interest, first (17 days)$279.34
Fees + prepaids$11,115.84
Your down payment is the seller’s equity. You take over the $213,441 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $207,574.93 is due at closing. Uses and sources reconcile at $421,015.84 each. Not a Closing Disclosure.