Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$200,420Cash toward the purchase price.
Closing costs + prepaids$14,269Not just lender fees.
Before credits & paid funds$214,689The complete starting cash picture.
Estimated remaining funds due at closing
$214,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,420.36
Your down payment$200,420.36
Closing costs + prepaids$14,268.60
Total buyer cash needed$214,688.96
Remaining funds due$214,688.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$860.25
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$808.35
Fees + prepaids$14,268.60
Your down payment is the seller’s equity. You take over the $399,579 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $214,688.96 is due at closing. Uses and sources reconcile at $614,267.60 each. Not a Closing Disclosure.