Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$186,664Cash toward the purchase price.
Closing costs + prepaids$15,870Not just lender fees.
Before credits & paid funds$202,534The complete starting cash picture.
Estimated remaining funds due at closing
$202,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,663.84
Your down payment$186,663.84
Closing costs + prepaids$15,870.18
Total buyer cash needed$202,534.02
Remaining funds due$202,534.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$264.50
Prepaid interest, first (25 days)$2,130.69
Fees + prepaids$15,870.18
Your down payment is the seller’s equity. You take over the $513,335 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $202,534.02 is due at closing. Uses and sources reconcile at $715,869.18 each. Not a Closing Disclosure.