Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$191,752Cash toward the purchase price.
Closing costs + prepaids$12,807Not just lender fees.
Before credits & paid funds$204,559The complete starting cash picture.
Estimated remaining funds due at closing
$204,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,751.86
Your down payment$191,751.86
Closing costs + prepaids$12,807.15
Total buyer cash needed$204,559.02
Remaining funds due$204,559.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$428.50
Prepaid interest, first (1 days)$53.65
Fees + prepaids$12,807.15
Your down payment is the seller’s equity. You take over the $393,248 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $204,559.02 is due at closing. Uses and sources reconcile at $597,807.15 each. Not a Closing Disclosure.