Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$206,154Cash toward the purchase price.
Closing costs + prepaids$16,121Not just lender fees.
Before credits & paid funds$222,275The complete starting cash picture.
Estimated remaining funds due at closing
$222,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,154.37
Your down payment$206,154.37
Closing costs + prepaids$16,120.70
Total buyer cash needed$222,275.07
Remaining funds due$222,275.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.99
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)$1,366.75
Prepaid interest, first (26 days)$1,878.96
Fees + prepaids$16,120.70
Your down payment is the seller’s equity. You take over the $433,845 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $222,275.07 is due at closing. Uses and sources reconcile at $656,119.70 each. Not a Closing Disclosure.