Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,229Cash toward the purchase price.
Closing costs + prepaids$16,241Not just lender fees.
Before credits & paid funds$224,470The complete starting cash picture.
Estimated remaining funds due at closing
$224,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,228.62
Your down payment$208,228.62
Closing costs + prepaids$16,241.24
Total buyer cash needed$224,469.86
Remaining funds due$224,469.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$995.50
Initial HOA (3 months)$29.01
Prepaid interest, first (31 days)$2,342.73
Fees + prepaids$16,241.24
Your down payment is the seller’s equity. You take over the $431,671 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $224,469.86 is due at closing. Uses and sources reconcile at $656,141.24 each. Not a Closing Disclosure.