Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$200,621Cash toward the purchase price.
Closing costs + prepaids$18,064Not just lender fees.
Before credits & paid funds$218,685The complete starting cash picture.
Estimated remaining funds due at closing
$218,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,621.30
Your down payment$200,621.30
Closing costs + prepaids$18,064.00
Total buyer cash needed$218,685.29
Remaining funds due$218,685.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$295.50
Prepaid interest, first (12 days)$1,303.50
Fees + prepaids$18,064.00
Your down payment is the seller’s equity. You take over the $624,379 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $218,685.29 is due at closing. Uses and sources reconcile at $843,064.00 each. Not a Closing Disclosure.