Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$194,124Cash toward the purchase price.
Closing costs + prepaids$14,707Not just lender fees.
Before credits & paid funds$208,832The complete starting cash picture.
Estimated remaining funds due at closing
$208,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,124.49
Your down payment$194,124.49
Closing costs + prepaids$14,707.06
Total buyer cash needed$208,831.56
Remaining funds due$208,831.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (18 days)$607.06
Fees + prepaids$14,707.06
Your down payment is the seller’s equity. You take over the $415,876 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $208,831.56 is due at closing. Uses and sources reconcile at $624,707.06 each. Not a Closing Disclosure.