Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$196,256Cash toward the purchase price.
Closing costs + prepaids$20,384Not just lender fees.
Before credits & paid funds$216,640The complete starting cash picture.
Estimated remaining funds due at closing
$216,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,255.87
Your down payment$196,255.87
Closing costs + prepaids$20,383.65
Total buyer cash needed$216,639.52
Remaining funds due$216,639.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
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)$2,125.00
Prepaid interest, first (22 days)$2,533.66
Fees + prepaids$20,383.65
Your down payment is the seller’s equity. You take over the $653,743 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $216,639.52 is due at closing. Uses and sources reconcile at $870,382.65 each. Not a Closing Disclosure.