Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$199,515Cash toward the purchase price.
Closing costs + prepaids$17,123Not just lender fees.
Before credits & paid funds$216,638The complete starting cash picture.
Estimated remaining funds due at closing
$216,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,514.69
Your down payment$199,514.69
Closing costs + prepaids$17,122.99
Total buyer cash needed$216,637.68
Remaining funds due$216,637.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,818.00
Prepaid interest, first (30 days)$2,379.99
Fees + prepaids$17,122.99
Your down payment is the seller’s equity. You take over the $445,485 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $216,637.68 is due at closing. Uses and sources reconcile at $662,122.99 each. Not a Closing Disclosure.