Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$205,903Cash toward the purchase price.
Closing costs + prepaids$15,709Not just lender fees.
Before credits & paid funds$221,612The complete starting cash picture.
Estimated remaining funds due at closing
$221,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,902.84
Your down payment$205,902.84
Closing costs + prepaids$15,708.90
Total buyer cash needed$221,611.74
Remaining funds due$221,611.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.00
Initial HOA (3 months)$2,097.00
Prepaid interest, first (9 days)$304.90
Fees + prepaids$15,708.90
Your down payment is the seller’s equity. You take over the $404,097 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $221,611.74 is due at closing. Uses and sources reconcile at $625,708.90 each. Not a Closing Disclosure.