Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$199,002Cash toward the purchase price.
Closing costs + prepaids$14,965Not just lender fees.
Before credits & paid funds$213,968The complete starting cash picture.
Estimated remaining funds due at closing
$213,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,002.44
Your down payment$199,002.44
Closing costs + prepaids$14,965.40
Total buyer cash needed$213,967.84
Remaining funds due$213,967.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$822.00
Initial HOA (3 months)$240.00
Prepaid interest, first (12 days)$578.40
Fees + prepaids$14,965.40
Your down payment is the seller’s equity. You take over the $485,998 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $213,967.84 is due at closing. Uses and sources reconcile at $699,965.40 each. Not a Closing Disclosure.