Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$203,504Cash toward the purchase price.
Closing costs + prepaids$14,175Not just lender fees.
Before credits & paid funds$217,679The complete starting cash picture.
Estimated remaining funds due at closing
$217,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,504.09
Your down payment$203,504.09
Closing costs + prepaids$14,175.33
Total buyer cash needed$217,679.42
Remaining funds due$217,679.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$1,294.75
Initial HOA (3 months)$350.01
Prepaid interest, first (26 days)$656.57
Fees + prepaids$14,175.33
Your down payment is the seller’s equity. You take over the $336,396 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $217,679.42 is due at closing. Uses and sources reconcile at $554,075.33 each. Not a Closing Disclosure.