Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$197,126Cash toward the purchase price.
Closing costs + prepaids$18,806Not just lender fees.
Before credits & paid funds$215,932The complete starting cash picture.
Estimated remaining funds due at closing
$215,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,125.59
Your down payment$197,125.59
Closing costs + prepaids$18,806.06
Total buyer cash needed$215,931.65
Remaining funds due$215,931.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,199.99
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)$2,050.00
Prepaid interest, first (26 days)$1,331.07
Fees + prepaids$18,806.06
Your down payment is the seller’s equity. You take over the $622,873 balance, so the rest of the $819,999 price is paid at closing. A second mortgage can cover part of it. $215,931.65 is due at closing. Uses and sources reconcile at $838,805.06 each. Not a Closing Disclosure.