Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$197,845Cash toward the purchase price.
Closing costs + prepaids$13,424Not just lender fees.
Before credits & paid funds$211,269The complete starting cash picture.
Estimated remaining funds due at closing
$211,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,844.86
Your down payment$197,844.86
Closing costs + prepaids$13,424.14
Total buyer cash needed$211,269.01
Remaining funds due$211,269.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$918.00
Initial HOA (3 months)$164.01
Prepaid interest, first (30 days)$767.13
Fees + prepaids$13,424.14
Your down payment is the seller’s equity. You take over the $312,155 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $211,269.01 is due at closing. Uses and sources reconcile at $523,424.14 each. Not a Closing Disclosure.