Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$204,401Cash toward the purchase price.
Closing costs + prepaids$11,270Not just lender fees.
Before credits & paid funds$215,670The complete starting cash picture.
Estimated remaining funds due at closing
$215,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,400.74
Your down payment$204,400.74
Closing costs + prepaids$11,269.59
Total buyer cash needed$215,670.33
Remaining funds due$215,670.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,279.00
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)$513.50
Initial HOA (3 months)$117.99
Prepaid interest, first (6 days)$134.10
Fees + prepaids$11,269.59
Your down payment is the seller’s equity. You take over the $223,499 balance, so the rest of the $427,900 price is paid at closing. A second mortgage can cover part of it. $215,670.33 is due at closing. Uses and sources reconcile at $439,169.59 each. Not a Closing Disclosure.