Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$187,291Cash toward the purchase price.
Closing costs + prepaids$14,138Not just lender fees.
Before credits & paid funds$201,429The complete starting cash picture.
Estimated remaining funds due at closing
$201,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,290.95
Your down payment$187,290.95
Closing costs + prepaids$14,137.87
Total buyer cash needed$201,428.82
Remaining funds due$201,428.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,959.99
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)$745.00
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$732.88
Fees + prepaids$14,137.87
Your down payment is the seller’s equity. You take over the $408,708 balance, so the rest of the $595,999 price is paid at closing. A second mortgage can cover part of it. $201,428.82 is due at closing. Uses and sources reconcile at $610,136.87 each. Not a Closing Disclosure.