Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,194Cash toward the purchase price.
Closing costs + prepaids$22,506Not just lender fees.
Before credits & paid funds$222,699The complete starting cash picture.
Estimated remaining funds due at closing
$222,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,193.55
Your down payment$200,193.55
Closing costs + prepaids$22,505.88
Total buyer cash needed$222,699.43
Remaining funds due$222,699.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,249.75
Initial HOA (3 months)$1,596.00
Prepaid interest, first (18 days)$2,436.13
Fees + prepaids$22,505.88
Your down payment is the seller’s equity. You take over the $699,706 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $222,699.43 is due at closing. Uses and sources reconcile at $922,405.88 each. Not a Closing Disclosure.