Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$196,574Cash toward the purchase price.
Closing costs + prepaids$15,014Not just lender fees.
Before credits & paid funds$211,588The complete starting cash picture.
Estimated remaining funds due at closing
$211,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,574.35
Your down payment$196,574.35
Closing costs + prepaids$15,014.07
Total buyer cash needed$211,588.42
Remaining funds due$211,588.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,149.00
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)$278.50
Prepaid interest, first (28 days)$2,111.57
Fees + prepaids$15,014.07
Your down payment is the seller’s equity. You take over the $418,326 balance, so the rest of the $614,900 price is paid at closing. A second mortgage can cover part of it. $211,588.42 is due at closing. Uses and sources reconcile at $629,914.07 each. Not a Closing Disclosure.