Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,365Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$217,335The complete starting cash picture.
Estimated remaining funds due at closing
$217,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,364.86
Your down payment$203,364.86
Closing costs + prepaids$13,969.99
Total buyer cash needed$217,334.85
Remaining funds due$217,334.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$1,297.50
Initial HOA (3 months)$315.00
Prepaid interest, first (28 days)$692.49
Fees + prepaids$13,969.99
Your down payment is the seller’s equity. You take over the $315,635 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $217,334.85 is due at closing. Uses and sources reconcile at $532,969.99 each. Not a Closing Disclosure.