Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$221,229Cash toward the purchase price.
Closing costs + prepaids$11,569Not just lender fees.
Before credits & paid funds$232,797The complete starting cash picture.
Estimated remaining funds due at closing
$232,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,228.68
Your down payment$221,228.68
Closing costs + prepaids$11,568.50
Total buyer cash needed$232,797.18
Remaining funds due$232,797.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,070.75
Prepaid interest, first (5 days)$73.75
Fees + prepaids$11,568.50
Your down payment is the seller’s equity. You take over the $198,671 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $232,797.18 is due at closing. Uses and sources reconcile at $431,468.50 each. Not a Closing Disclosure.