Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$217,469Cash toward the purchase price.
Closing costs + prepaids$15,615Not just lender fees.
Before credits & paid funds$233,084The complete starting cash picture.
Estimated remaining funds due at closing
$233,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,468.62
Your down payment$217,468.62
Closing costs + prepaids$15,615.20
Total buyer cash needed$233,083.82
Remaining funds due$233,083.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.90
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)$1,625.00
Prepaid interest, first (28 days)$1,015.30
Fees + prepaids$15,615.20
Your down payment is the seller’s equity. You take over the $432,521 balance, so the rest of the $649,990 price is paid at closing. A second mortgage can cover part of it. $233,083.82 is due at closing. Uses and sources reconcile at $665,605.20 each. Not a Closing Disclosure.