Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$204,985Cash toward the purchase price.
Closing costs + prepaids$15,345Not just lender fees.
Before credits & paid funds$220,330The complete starting cash picture.
Estimated remaining funds due at closing
$220,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,984.93
Your down payment$204,984.93
Closing costs + prepaids$15,345.41
Total buyer cash needed$220,330.33
Remaining funds due$220,330.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$605.50
Initial HOA (3 months)$2,097.00
Prepaid interest, first (2 days)$67.91
Fees + prepaids$15,345.41
Your down payment is the seller’s equity. You take over the $405,015 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $220,330.33 is due at closing. Uses and sources reconcile at $625,345.41 each. Not a Closing Disclosure.