Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,278Cash toward the purchase price.
Closing costs + prepaids$14,293Not just lender fees.
Before credits & paid funds$209,570The complete starting cash picture.
Estimated remaining funds due at closing
$209,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,277.80
Your down payment$195,277.80
Closing costs + prepaids$14,292.62
Total buyer cash needed$209,570.42
Remaining funds due$209,570.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$246.00
Prepaid interest, first (27 days)$1,571.72
Fees + prepaids$14,292.62
Your down payment is the seller’s equity. You take over the $404,712 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $209,570.42 is due at closing. Uses and sources reconcile at $614,282.62 each. Not a Closing Disclosure.