Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$201,068Cash toward the purchase price.
Closing costs + prepaids$14,590Not just lender fees.
Before credits & paid funds$215,657The complete starting cash picture.
Estimated remaining funds due at closing
$215,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,067.69
Your down payment$201,067.69
Closing costs + prepaids$14,589.69
Total buyer cash needed$215,657.38
Remaining funds due$215,657.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,792.50
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)$1,477.00
Initial HOA (3 months)$540.00
Prepaid interest, first (5 days)$305.19
Fees + prepaids$14,589.69
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $579,250 price is paid at closing. A second mortgage can cover part of it. $215,657.38 is due at closing. Uses and sources reconcile at $593,839.69 each. Not a Closing Disclosure.