Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$191,743Cash toward the purchase price.
Closing costs + prepaids$14,075Not just lender fees.
Before credits & paid funds$205,818The complete starting cash picture.
Estimated remaining funds due at closing
$205,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,743.27
Your down payment$191,743.27
Closing costs + prepaids$14,074.63
Total buyer cash needed$205,817.91
Remaining funds due$205,817.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$1,297.50
Prepaid interest, first (28 days)$1,112.13
Fees + prepaids$14,074.63
Your down payment is the seller’s equity. You take over the $327,257 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $205,817.91 is due at closing. Uses and sources reconcile at $533,074.63 each. Not a Closing Disclosure.