Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,252Cash toward the purchase price.
Closing costs + prepaids$16,008Not just lender fees.
Before credits & paid funds$208,260The complete starting cash picture.
Estimated remaining funds due at closing
$208,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,252.21
Your down payment$192,252.21
Closing costs + prepaids$16,008.12
Total buyer cash needed$208,260.33
Remaining funds due$208,260.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.98
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)$1,500.00
Prepaid interest, first (28 days)$2,033.14
Fees + prepaids$16,008.12
Your down payment is the seller’s equity. You take over the $407,746 balance, so the rest of the $599,998 price is paid at closing. A second mortgage can cover part of it. $208,260.33 is due at closing. Uses and sources reconcile at $616,006.12 each. Not a Closing Disclosure.