Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$199,708Cash toward the purchase price.
Closing costs + prepaids$14,809Not just lender fees.
Before credits & paid funds$214,516The complete starting cash picture.
Estimated remaining funds due at closing
$214,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,707.51
Your down payment$199,707.51
Closing costs + prepaids$14,808.89
Total buyer cash needed$214,516.41
Remaining funds due$214,516.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,548.88
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)$1,387.25
Initial HOA (3 months)$702.00
Prepaid interest, first (25 days)$695.76
Fees + prepaids$14,808.89
Your down payment is the seller’s equity. You take over the $355,180 balance, so the rest of the $554,888 price is paid at closing. A second mortgage can cover part of it. $214,516.41 is due at closing. Uses and sources reconcile at $569,696.89 each. Not a Closing Disclosure.