Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$208,250Cash toward the purchase price.
Closing costs + prepaids$15,639Not just lender fees.
Before credits & paid funds$223,889The complete starting cash picture.
Estimated remaining funds due at closing
$223,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,249.52
Your down payment$208,249.52
Closing costs + prepaids$15,639.13
Total buyer cash needed$223,888.65
Remaining funds due$223,888.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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)$1,625.00
Prepaid interest, first (27 days)$1,039.14
Fees + prepaids$15,639.13
Your down payment is the seller’s equity. You take over the $441,749 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $223,888.65 is due at closing. Uses and sources reconcile at $665,638.13 each. Not a Closing Disclosure.