Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$194,554Cash toward the purchase price.
Closing costs + prepaids$14,563Not just lender fees.
Before credits & paid funds$209,117The complete starting cash picture.
Estimated remaining funds due at closing
$209,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,553.54
Your down payment$194,553.54
Closing costs + prepaids$14,563.29
Total buyer cash needed$209,116.84
Remaining funds due$209,116.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$720.00
Prepaid interest, first (18 days)$1,369.29
Fees + prepaids$14,563.29
Your down payment is the seller’s equity. You take over the $405,346 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $209,116.84 is due at closing. Uses and sources reconcile at $614,463.29 each. Not a Closing Disclosure.