Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$196,256Cash toward the purchase price.
Closing costs + prepaids$21,305Not just lender fees.
Before credits & paid funds$217,561The complete starting cash picture.
Estimated remaining funds due at closing
$217,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,255.87
Your down payment$196,255.87
Closing costs + prepaids$21,304.98
Total buyer cash needed$217,560.85
Remaining funds due$217,560.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (30 days)$3,454.99
Fees + prepaids$21,304.98
Your down payment is the seller’s equity. You take over the $653,743 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $217,560.85 is due at closing. Uses and sources reconcile at $871,303.98 each. Not a Closing Disclosure.