Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$238,989Cash toward the purchase price.
Closing costs + prepaids$13,808Not just lender fees.
Before credits & paid funds$252,797The complete starting cash picture.
Estimated remaining funds due at closing
$252,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,989.09
Your down payment$238,989.09
Closing costs + prepaids$13,807.93
Total buyer cash needed$252,797.02
Remaining funds due$252,797.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$732.00
Initial HOA (3 months)$135.00
Prepaid interest, first (12 days)$365.93
Fees + prepaids$13,807.93
Your down payment is the seller’s equity. You take over the $371,011 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $252,797.02 is due at closing. Uses and sources reconcile at $623,807.93 each. Not a Closing Disclosure.