Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$196,368Cash toward the purchase price.
Closing costs + prepaids$18,631Not just lender fees.
Before credits & paid funds$214,999The complete starting cash picture.
Estimated remaining funds due at closing
$214,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,368.47
Your down payment$196,368.47
Closing costs + prepaids$18,630.80
Total buyer cash needed$214,999.27
Remaining funds due$214,999.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,062.50
Prepaid interest, first (23 days)$1,093.30
Fees + prepaids$18,630.80
Your down payment is the seller’s equity. You take over the $628,632 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $214,999.27 is due at closing. Uses and sources reconcile at $843,630.80 each. Not a Closing Disclosure.