Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$188,806Cash toward the purchase price.
Closing costs + prepaids$11,137Not just lender fees.
Before credits & paid funds$199,943The complete starting cash picture.
Estimated remaining funds due at closing
$199,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,806.24
Your down payment$188,806.24
Closing costs + prepaids$11,137.15
Total buyer cash needed$199,943.39
Remaining funds due$199,943.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,130.00
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)$495.50
Initial HOA (3 months)$24.99
Prepaid interest, first (12 days)$261.66
Fees + prepaids$11,137.15
Your down payment is the seller’s equity. You take over the $224,194 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $199,943.39 is due at closing. Uses and sources reconcile at $424,137.15 each. Not a Closing Disclosure.