Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$178,086Cash toward the purchase price.
Closing costs + prepaids$10,982Not just lender fees.
Before credits & paid funds$189,069The complete starting cash picture.
Estimated remaining funds due at closing
$189,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,086.49
Your down payment$178,086.49
Closing costs + prepaids$10,982.48
Total buyer cash needed$189,068.97
Remaining funds due$189,068.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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 (1 days)$42.97
Fees + prepaids$10,982.48
Your down payment is the seller’s equity. You take over the $240,914 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $189,068.97 is due at closing. Uses and sources reconcile at $429,982.48 each. Not a Closing Disclosure.