Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,008Cash toward the purchase price.
Closing costs + prepaids$14,517Not just lender fees.
Before credits & paid funds$217,525The complete starting cash picture.
Estimated remaining funds due at closing
$217,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,007.68
Your down payment$203,007.68
Closing costs + prepaids$14,517.29
Total buyer cash needed$217,524.97
Remaining funds due$217,524.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$577.50
Initial HOA (3 months)$411.00
Prepaid interest, first (31 days)$1,254.79
Fees + prepaids$14,517.29
Your down payment is the seller’s equity. You take over the $376,892 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $217,524.97 is due at closing. Uses and sources reconcile at $594,417.29 each. Not a Closing Disclosure.