Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$193,830Cash toward the purchase price.
Closing costs + prepaids$14,157Not just lender fees.
Before credits & paid funds$207,987The complete starting cash picture.
Estimated remaining funds due at closing
$207,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,830.09
Your down payment$193,830.09
Closing costs + prepaids$14,156.68
Total buyer cash needed$207,986.77
Remaining funds due$207,986.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,490.50
Initial HOA (3 months)$27.51
Prepaid interest, first (24 days)$1,013.67
Fees + prepaids$14,156.68
Your down payment is the seller’s equity. You take over the $321,170 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $207,986.77 is due at closing. Uses and sources reconcile at $529,156.68 each. Not a Closing Disclosure.