Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$200,420Cash toward the purchase price.
Closing costs + prepaids$13,693Not just lender fees.
Before credits & paid funds$214,113The complete starting cash picture.
Estimated remaining funds due at closing
$214,113No 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$13,693.09
Total buyer cash needed$214,113.44
Remaining funds due$214,113.44
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 (12 days)$373.09
Fees + prepaids$13,693.09
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. $214,113.44 is due at closing. Uses and sources reconcile at $613,692.09 each. Not a Closing Disclosure.