Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$188,867Cash toward the purchase price.
Closing costs + prepaids$17,611Not just lender fees.
Before credits & paid funds$206,478The complete starting cash picture.
Estimated remaining funds due at closing
$206,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,866.95
Your down payment$188,866.95
Closing costs + prepaids$17,610.85
Total buyer cash needed$206,477.79
Remaining funds due$206,477.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,700.00
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)$962.50
Initial HOA (3 months)$75.00
Prepaid interest, first (17 days)$1,648.35
Fees + prepaids$17,610.85
Your down payment is the seller’s equity. You take over the $581,133 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $206,477.79 is due at closing. Uses and sources reconcile at $787,610.85 each. Not a Closing Disclosure.