Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$203,008Cash toward the purchase price.
Closing costs + prepaids$14,032Not just lender fees.
Before credits & paid funds$217,039The complete starting cash picture.
Estimated remaining funds due at closing
$217,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,007.68
Your down payment$203,007.68
Closing costs + prepaids$14,031.57
Total buyer cash needed$217,039.25
Remaining funds due$217,039.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$577.50
Initial HOA (3 months)$411.00
Prepaid interest, first (19 days)$769.07
Fees + prepaids$14,031.57
Your down payment is the seller’s equity. You take over the $376,892 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $217,039.25 is due at closing. Uses and sources reconcile at $593,931.57 each. Not a Closing Disclosure.