Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,464Cash toward the purchase price.
Closing costs + prepaids$14,045Not just lender fees.
Before credits & paid funds$208,509The complete starting cash picture.
Estimated remaining funds due at closing
$208,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,464.24
Your down payment$194,464.24
Closing costs + prepaids$14,044.76
Total buyer cash needed$208,509.00
Remaining funds due$208,509.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,949.95
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)$781.00
Prepaid interest, first (26 days)$838.81
Fees + prepaids$14,044.76
Your down payment is the seller’s equity. You take over the $400,531 balance, so the rest of the $594,995 price is paid at closing. A second mortgage can cover part of it. $208,509.00 is due at closing. Uses and sources reconcile at $609,039.76 each. Not a Closing Disclosure.