Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$194,124Cash toward the purchase price.
Closing costs + prepaids$15,078Not just lender fees.
Before credits & paid funds$209,203The complete starting cash picture.
Estimated remaining funds due at closing
$209,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,124.49
Your down payment$194,124.49
Closing costs + prepaids$15,078.05
Total buyer cash needed$209,202.54
Remaining funds due$209,202.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (29 days)$978.05
Fees + prepaids$15,078.05
Your down payment is the seller’s equity. You take over the $415,876 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $209,202.54 is due at closing. Uses and sources reconcile at $625,078.05 each. Not a Closing Disclosure.