Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,518Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$200,629The complete starting cash picture.
Estimated remaining funds due at closing
$200,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,518.40
Your down payment$187,518.40
Closing costs + prepaids$13,110.70
Total buyer cash needed$200,629.09
Remaining funds due$200,629.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$412.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$73.46
Fees + prepaids$13,110.70
Your down payment is the seller’s equity. You take over the $412,481 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $200,629.09 is due at closing. Uses and sources reconcile at $613,109.70 each. Not a Closing Disclosure.