Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,456Cash toward the purchase price.
Closing costs + prepaids$20,244Not just lender fees.
Before credits & paid funds$219,699The complete starting cash picture.
Estimated remaining funds due at closing
$219,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,455.55
Your down payment$199,455.55
Closing costs + prepaids$20,243.85
Total buyer cash needed$219,699.40
Remaining funds due$219,699.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,285.25
Prepaid interest, first (26 days)$2,233.60
Fees + prepaids$20,243.85
Your down payment is the seller’s equity. You take over the $650,544 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $219,699.40 is due at closing. Uses and sources reconcile at $870,243.85 each. Not a Closing Disclosure.