Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,939Cash toward the purchase price.
Closing costs + prepaids$14,093Not just lender fees.
Before credits & paid funds$209,032The complete starting cash picture.
Estimated remaining funds due at closing
$209,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,938.99
Your down payment$194,938.99
Closing costs + prepaids$14,093.00
Total buyer cash needed$209,031.99
Remaining funds due$209,031.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$499.25
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$88.75
Fees + prepaids$14,093.00
Your down payment is the seller’s equity. You take over the $490,061 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $209,031.99 is due at closing. Uses and sources reconcile at $699,093.00 each. Not a Closing Disclosure.