Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$206,856Cash toward the purchase price.
Closing costs + prepaids$12,735Not just lender fees.
Before credits & paid funds$219,591The complete starting cash picture.
Estimated remaining funds due at closing
$219,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,855.60
Your down payment$206,855.60
Closing costs + prepaids$12,734.96
Total buyer cash needed$219,590.56
Remaining funds due$219,590.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$534.50
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$26.46
Fees + prepaids$12,734.96
Your down payment is the seller’s equity. You take over the $333,044 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $219,590.56 is due at closing. Uses and sources reconcile at $552,634.96 each. Not a Closing Disclosure.