Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$201,174Cash toward the purchase price.
Closing costs + prepaids$13,525Not just lender fees.
Before credits & paid funds$214,698The complete starting cash picture.
Estimated remaining funds due at closing
$214,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,173.60
Your down payment$201,173.60
Closing costs + prepaids$13,524.79
Total buyer cash needed$214,698.38
Remaining funds due$214,698.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$1,071.75
Prepaid interest, first (25 days)$788.04
Fees + prepaids$13,524.79
Your down payment is the seller’s equity. You take over the $317,826 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $214,698.38 is due at closing. Uses and sources reconcile at $532,524.79 each. Not a Closing Disclosure.