Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$204,650Cash toward the purchase price.
Closing costs + prepaids$13,942Not just lender fees.
Before credits & paid funds$218,592The complete starting cash picture.
Estimated remaining funds due at closing
$218,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,650.14
Your down payment$204,650.14
Closing costs + prepaids$13,942.07
Total buyer cash needed$218,592.21
Remaining funds due$218,592.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,340.00
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)$760.75
Initial HOA (3 months)$156.00
Prepaid interest, first (6 days)$210.32
Fees + prepaids$13,942.07
Your down payment is the seller’s equity. You take over the $429,350 balance, so the rest of the $634,000 price is paid at closing. A second mortgage can cover part of it. $218,592.21 is due at closing. Uses and sources reconcile at $647,942.07 each. Not a Closing Disclosure.