Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$199,016Cash toward the purchase price.
Closing costs + prepaids$14,584Not just lender fees.
Before credits & paid funds$213,600The complete starting cash picture.
Estimated remaining funds due at closing
$213,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,015.80
Your down payment$199,015.80
Closing costs + prepaids$14,584.28
Total buyer cash needed$213,600.09
Remaining funds due$213,600.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,424.75
Initial HOA (3 months)$435.00
Prepaid interest, first (18 days)$550.53
Fees + prepaids$14,584.28
Your down payment is the seller’s equity. You take over the $370,884 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $213,600.09 is due at closing. Uses and sources reconcile at $584,484.28 each. Not a Closing Disclosure.