Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$201,685Cash toward the purchase price.
Closing costs + prepaids$11,965Not just lender fees.
Before credits & paid funds$213,650The complete starting cash picture.
Estimated remaining funds due at closing
$213,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,684.66
Your down payment$201,684.66
Closing costs + prepaids$11,965.34
Total buyer cash needed$213,650.00
Remaining funds due$213,650.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$548.00
Initial HOA (3 months)$354.00
Prepaid interest, first (26 days)$688.34
Fees + prepaids$11,965.34
Your down payment is the seller’s equity. You take over the $213,315 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $213,650.00 is due at closing. Uses and sources reconcile at $426,965.34 each. Not a Closing Disclosure.