Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$206,877Cash toward the purchase price.
Closing costs + prepaids$14,302Not just lender fees.
Before credits & paid funds$221,179The complete starting cash picture.
Estimated remaining funds due at closing
$221,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,877.38
Your down payment$206,877.38
Closing costs + prepaids$14,301.59
Total buyer cash needed$221,178.97
Remaining funds due$221,178.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,440.50
Prepaid interest, first (31 days)$1,186.09
Fees + prepaids$14,301.59
Your down payment is the seller’s equity. You take over the $313,123 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $221,178.97 is due at closing. Uses and sources reconcile at $534,301.59 each. Not a Closing Disclosure.