Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$198,489Cash toward the purchase price.
Closing costs + prepaids$15,236Not just lender fees.
Before credits & paid funds$213,725The complete starting cash picture.
Estimated remaining funds due at closing
$213,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,488.65
Your down payment$198,488.65
Closing costs + prepaids$15,236.05
Total buyer cash needed$213,724.70
Remaining funds due$213,724.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,259.98
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)$1,565.00
Prepaid interest, first (27 days)$936.07
Fees + prepaids$15,236.05
Your down payment is the seller’s equity. You take over the $427,509 balance, so the rest of the $625,998 price is paid at closing. A second mortgage can cover part of it. $213,724.70 is due at closing. Uses and sources reconcile at $641,234.05 each. Not a Closing Disclosure.