Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$194,832Cash toward the purchase price.
Closing costs + prepaids$13,221Not just lender fees.
Before credits & paid funds$208,053The complete starting cash picture.
Estimated remaining funds due at closing
$208,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,831.82
Your down payment$194,831.82
Closing costs + prepaids$13,221.05
Total buyer cash needed$208,052.87
Remaining funds due$208,052.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$694.75
Initial HOA (3 months)$75.00
Prepaid interest, first (6 days)$186.30
Fees + prepaids$13,221.05
Your down payment is the seller’s equity. You take over the $384,168 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $208,052.87 is due at closing. Uses and sources reconcile at $592,221.05 each. Not a Closing Disclosure.