Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$205,941Cash toward the purchase price.
Closing costs + prepaids$12,985Not just lender fees.
Before credits & paid funds$218,927The complete starting cash picture.
Estimated remaining funds due at closing
$218,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,941.25
Your down payment$205,941.25
Closing costs + prepaids$12,985.45
Total buyer cash needed$218,926.70
Remaining funds due$218,926.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$612.00
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$523.45
Fees + prepaids$12,985.45
Your down payment is the seller’s equity. You take over the $309,059 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $218,926.70 is due at closing. Uses and sources reconcile at $527,985.45 each. Not a Closing Disclosure.