Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$203,008Cash toward the purchase price.
Closing costs + prepaids$13,745Not just lender fees.
Before credits & paid funds$216,753The complete starting cash picture.
Estimated remaining funds due at closing
$216,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,007.68
Your down payment$203,007.68
Closing costs + prepaids$13,745.29
Total buyer cash needed$216,752.97
Remaining funds due$216,752.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$696.00
Initial HOA (3 months)$411.00
Prepaid interest, first (9 days)$364.29
Fees + prepaids$13,745.29
Your down payment is the seller’s equity. You take over the $376,892 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $216,752.97 is due at closing. Uses and sources reconcile at $593,645.29 each. Not a Closing Disclosure.