Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$196,461Cash toward the purchase price.
Closing costs + prepaids$15,312Not just lender fees.
Before credits & paid funds$211,773The complete starting cash picture.
Estimated remaining funds due at closing
$211,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,460.56
Your down payment$196,460.56
Closing costs + prepaids$15,312.26
Total buyer cash needed$211,772.82
Remaining funds due$211,772.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$313.50
Initial HOA (3 months)$570.00
Prepaid interest, first (30 days)$1,953.86
Fees + prepaids$15,312.26
Your down payment is the seller’s equity. You take over the $403,529 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $211,772.82 is due at closing. Uses and sources reconcile at $615,302.26 each. Not a Closing Disclosure.