Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$200,194Cash toward the purchase price.
Closing costs + prepaids$23,995Not just lender fees.
Before credits & paid funds$224,188The complete starting cash picture.
Estimated remaining funds due at closing
$224,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,193.55
Your down payment$200,193.55
Closing costs + prepaids$23,994.62
Total buyer cash needed$224,188.17
Remaining funds due$224,188.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
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)$2,249.75
Initial HOA (3 months)$1,596.00
Prepaid interest, first (29 days)$3,924.87
Fees + prepaids$23,994.62
Your down payment is the seller’s equity. You take over the $699,706 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $224,188.17 is due at closing. Uses and sources reconcile at $923,894.62 each. Not a Closing Disclosure.