Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$194,166Cash toward the purchase price.
Closing costs + prepaids$16,888Not just lender fees.
Before credits & paid funds$211,054The complete starting cash picture.
Estimated remaining funds due at closing
$211,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,165.97
Your down payment$194,165.97
Closing costs + prepaids$16,888.23
Total buyer cash needed$211,054.20
Remaining funds due$211,054.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$1,574.75
Initial HOA (3 months)$1,440.00
Prepaid interest, first (30 days)$1,099.48
Fees + prepaids$16,888.23
Your down payment is the seller’s equity. You take over the $435,734 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $211,054.20 is due at closing. Uses and sources reconcile at $646,788.23 each. Not a Closing Disclosure.