Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$179,905Cash toward the purchase price.
Closing costs + prepaids$12,106Not just lender fees.
Before credits & paid funds$192,011The complete starting cash picture.
Estimated remaining funds due at closing
$192,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,905.14
Your down payment$179,905.14
Closing costs + prepaids$12,106.05
Total buyer cash needed$192,011.19
Remaining funds due$192,011.19
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)$269.00
Initial HOA (3 months)$888.00
Prepaid interest, first (31 days)$574.05
Fees + prepaids$12,106.05
Your down payment is the seller’s equity. You take over the $235,095 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $192,011.19 is due at closing. Uses and sources reconcile at $427,106.05 each. Not a Closing Disclosure.