Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$201,783Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$216,879The complete starting cash picture.
Estimated remaining funds due at closing
$216,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,782.57
Your down payment$201,782.57
Closing costs + prepaids$15,096.58
Total buyer cash needed$216,879.16
Remaining funds due$216,879.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,447.50
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$904.08
Fees + prepaids$15,096.58
Your down payment is the seller’s equity. You take over the $377,217 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $216,879.16 is due at closing. Uses and sources reconcile at $594,096.58 each. Not a Closing Disclosure.