Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$208,350Cash toward the purchase price.
Closing costs + prepaids$13,889Not just lender fees.
Before credits & paid funds$222,239The complete starting cash picture.
Estimated remaining funds due at closing
$222,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,350.27
Your down payment$208,350.27
Closing costs + prepaids$13,888.62
Total buyer cash needed$222,238.89
Remaining funds due$222,238.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$744.00
Prepaid interest, first (6 days)$469.62
Fees + prepaids$13,888.62
Your down payment is the seller’s equity. You take over the $411,650 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $222,238.89 is due at closing. Uses and sources reconcile at $633,888.62 each. Not a Closing Disclosure.