Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$194,604Cash toward the purchase price.
Closing costs + prepaids$15,872Not just lender fees.
Before credits & paid funds$210,476The complete starting cash picture.
Estimated remaining funds due at closing
$210,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,604.30
Your down payment$194,604.30
Closing costs + prepaids$15,871.65
Total buyer cash needed$210,475.94
Remaining funds due$210,475.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,210.00
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)$1,552.50
Initial HOA (3 months)$765.00
Prepaid interest, first (24 days)$869.15
Fees + prepaids$15,871.65
Your down payment is the seller’s equity. You take over the $426,396 balance, so the rest of the $621,000 price is paid at closing. A second mortgage can cover part of it. $210,475.94 is due at closing. Uses and sources reconcile at $636,871.65 each. Not a Closing Disclosure.