Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$213,156Cash toward the purchase price.
Closing costs + prepaids$14,042Not just lender fees.
Before credits & paid funds$227,198The complete starting cash picture.
Estimated remaining funds due at closing
$227,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,156.19
Your down payment$213,156.19
Closing costs + prepaids$14,041.54
Total buyer cash needed$227,197.73
Remaining funds due$227,197.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$768.00
Prepaid interest, first (12 days)$398.54
Fees + prepaids$14,041.54
Your down payment is the seller’s equity. You take over the $426,844 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $227,197.73 is due at closing. Uses and sources reconcile at $654,041.54 each. Not a Closing Disclosure.