Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$200,420Cash toward the purchase price.
Closing costs + prepaids$13,507Not just lender fees.
Before credits & paid funds$213,927The complete starting cash picture.
Estimated remaining funds due at closing
$213,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,420.36
Your down payment$200,420.36
Closing costs + prepaids$13,506.54
Total buyer cash needed$213,926.90
Remaining funds due$213,926.90
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)$125.01
Prepaid interest, first (6 days)$186.54
Fees + prepaids$13,506.54
Your down payment is the seller’s equity. You take over the $399,579 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $213,926.90 is due at closing. Uses and sources reconcile at $613,505.54 each. Not a Closing Disclosure.