Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$187,934Cash toward the purchase price.
Closing costs + prepaids$14,005Not just lender fees.
Before credits & paid funds$201,939The complete starting cash picture.
Estimated remaining funds due at closing
$201,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,933.82
Your down payment$187,933.82
Closing costs + prepaids$14,005.42
Total buyer cash needed$201,939.24
Remaining funds due$201,939.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$720.00
Initial HOA (3 months)$150.00
Prepaid interest, first (9 days)$660.43
Fees + prepaids$14,005.42
Your down payment is the seller’s equity. You take over the $412,065 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $201,939.24 is due at closing. Uses and sources reconcile at $614,004.42 each. Not a Closing Disclosure.