Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,200Cash toward the purchase price.
Closing costs + prepaids$13,596Not just lender fees.
Before credits & paid funds$223,796The complete starting cash picture.
Estimated remaining funds due at closing
$223,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,199.89
Your down payment$210,199.89
Closing costs + prepaids$13,596.41
Total buyer cash needed$223,796.31
Remaining funds due$223,796.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,266.75
Initial HOA (3 months)$48.99
Prepaid interest, first (25 days)$606.67
Fees + prepaids$13,596.41
Your down payment is the seller’s equity. You take over the $309,700 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $223,796.31 is due at closing. Uses and sources reconcile at $533,496.41 each. Not a Closing Disclosure.