Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$228,559Cash toward the purchase price.
Closing costs + prepaids$11,676Not just lender fees.
Before credits & paid funds$240,235The complete starting cash picture.
Estimated remaining funds due at closing
$240,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,558.97
Your down payment$228,558.97
Closing costs + prepaids$11,676.43
Total buyer cash needed$240,235.40
Remaining funds due$240,235.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$556.50
Initial HOA (3 months)$246.00
Prepaid interest, first (19 days)$358.93
Fees + prepaids$11,676.43
Your down payment is the seller’s equity. You take over the $200,441 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $240,235.40 is due at closing. Uses and sources reconcile at $440,676.43 each. Not a Closing Disclosure.