Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$207,983Cash toward the purchase price.
Closing costs + prepaids$14,304Not just lender fees.
Before credits & paid funds$222,287The complete starting cash picture.
Estimated remaining funds due at closing
$222,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,982.92
Your down payment$207,982.92
Closing costs + prepaids$14,304.35
Total buyer cash needed$222,287.27
Remaining funds due$222,287.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,145.00
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)$412.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$1,122.10
Fees + prepaids$14,304.35
Your down payment is the seller’s equity. You take over the $406,517 balance, so the rest of the $614,500 price is paid at closing. A second mortgage can cover part of it. $222,287.27 is due at closing. Uses and sources reconcile at $628,804.35 each. Not a Closing Disclosure.