Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$192,306Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$203,594The complete starting cash picture.
Estimated remaining funds due at closing
$203,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,305.84
Your down payment$192,305.84
Closing costs + prepaids$11,287.95
Total buyer cash needed$203,593.79
Remaining funds due$203,593.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$439.75
Initial HOA (3 months)$297.00
Prepaid interest, first (2 days)$56.20
Fees + prepaids$11,287.95
Your down payment is the seller’s equity. You take over the $234,694 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $203,593.79 is due at closing. Uses and sources reconcile at $438,287.95 each. Not a Closing Disclosure.