Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$184,166Cash toward the purchase price.
Closing costs + prepaids$16,470Not just lender fees.
Before credits & paid funds$200,636The complete starting cash picture.
Estimated remaining funds due at closing
$200,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,165.97
Your down payment$184,165.97
Closing costs + prepaids$16,470.04
Total buyer cash needed$200,636.00
Remaining funds due$200,636.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Initial HOA (3 months)$1,440.00
Prepaid interest, first (22 days)$806.29
Fees + prepaids$16,470.04
Your down payment is the seller’s equity. You take over the $435,734 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $200,636.00 is due at closing. Uses and sources reconcile at $636,370.04 each. Not a Closing Disclosure.