Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,472Cash toward the purchase price.
Closing costs + prepaids$16,398Not just lender fees.
Before credits & paid funds$211,870The complete starting cash picture.
Estimated remaining funds due at closing
$211,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,472.43
Your down payment$195,472.43
Closing costs + prepaids$16,397.84
Total buyer cash needed$211,870.27
Remaining funds due$211,870.27
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 (27 days)$2,393.59
Fees + prepaids$16,397.84
Your down payment is the seller’s equity. You take over the $489,528 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $211,870.27 is due at closing. Uses and sources reconcile at $701,397.84 each. Not a Closing Disclosure.