Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$221,692Cash toward the purchase price.
Closing costs + prepaids$13,948Not just lender fees.
Before credits & paid funds$235,640The complete starting cash picture.
Estimated remaining funds due at closing
$235,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,692.47
Your down payment$221,692.47
Closing costs + prepaids$13,947.57
Total buyer cash needed$235,640.03
Remaining funds due$235,640.03
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)$540.00
Prepaid interest, first (7 days)$212.58
Fees + prepaids$13,947.57
Your down payment is the seller’s equity. You take over the $378,307 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $235,640.03 is due at closing. Uses and sources reconcile at $613,946.57 each. Not a Closing Disclosure.