Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$198,086Cash toward the purchase price.
Closing costs + prepaids$11,225Not just lender fees.
Before credits & paid funds$209,312The complete starting cash picture.
Estimated remaining funds due at closing
$209,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,086.49
Your down payment$198,086.49
Closing costs + prepaids$11,225.45
Total buyer cash needed$209,311.94
Remaining funds due$209,311.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$507.50
Initial HOA (3 months)$17.01
Prepaid interest, first (2 days)$85.94
Fees + prepaids$11,225.45
Your down payment is the seller’s equity. You take over the $240,914 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $209,311.94 is due at closing. Uses and sources reconcile at $450,225.45 each. Not a Closing Disclosure.