Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$215,615Cash toward the purchase price.
Closing costs + prepaids$16,315Not just lender fees.
Before credits & paid funds$231,930The complete starting cash picture.
Estimated remaining funds due at closing
$231,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,614.59
Your down payment$215,614.59
Closing costs + prepaids$16,315.18
Total buyer cash needed$231,929.76
Remaining funds due$231,929.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,358.00
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)$1,589.50
Initial HOA (3 months)$351.00
Prepaid interest, first (18 days)$1,541.68
Fees + prepaids$16,315.18
Your down payment is the seller’s equity. You take over the $420,185 balance, so the rest of the $635,800 price is paid at closing. A second mortgage can cover part of it. $231,929.76 is due at closing. Uses and sources reconcile at $652,115.18 each. Not a Closing Disclosure.