Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$198,880Cash toward the purchase price.
Closing costs + prepaids$14,910Not just lender fees.
Before credits & paid funds$213,790The complete starting cash picture.
Estimated remaining funds due at closing
$213,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,880.22
Your down payment$198,880.22
Closing costs + prepaids$14,909.59
Total buyer cash needed$213,789.81
Remaining funds due$213,789.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$812.50
Initial HOA (3 months)$150.00
Prepaid interest, first (15 days)$973.09
Fees + prepaids$14,909.59
Your down payment is the seller’s equity. You take over the $451,020 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $213,789.81 is due at closing. Uses and sources reconcile at $664,809.59 each. Not a Closing Disclosure.