Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$198,916Cash toward the purchase price.
Closing costs + prepaids$19,590Not just lender fees.
Before credits & paid funds$218,506The complete starting cash picture.
Estimated remaining funds due at closing
$218,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,915.87
Your down payment$198,915.87
Closing costs + prepaids$19,590.14
Total buyer cash needed$218,506.00
Remaining funds due$218,506.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,650.00
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)$2,162.50
Initial HOA (3 months)$390.00
Prepaid interest, first (23 days)$1,162.64
Fees + prepaids$19,590.14
Your down payment is the seller’s equity. You take over the $666,084 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $218,506.00 is due at closing. Uses and sources reconcile at $884,590.14 each. Not a Closing Disclosure.