Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$206,801Cash toward the purchase price.
Closing costs + prepaids$12,947Not just lender fees.
Before credits & paid funds$219,748The complete starting cash picture.
Estimated remaining funds due at closing
$219,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,801.31
Your down payment$206,801.31
Closing costs + prepaids$12,947.18
Total buyer cash needed$219,748.50
Remaining funds due$219,748.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,170.00
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)$620.50
Initial HOA (3 months)$285.99
Prepaid interest, first (12 days)$395.69
Fees + prepaids$12,947.18
Your down payment is the seller’s equity. You take over the $310,199 balance, so the rest of the $517,000 price is paid at closing. A second mortgage can cover part of it. $219,748.50 is due at closing. Uses and sources reconcile at $529,947.18 each. Not a Closing Disclosure.