Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,694Cash toward the purchase price.
Closing costs + prepaids$14,593Not just lender fees.
Before credits & paid funds$163,286The complete starting cash picture.
Estimated remaining funds due at closing
$163,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,693.77
Your down payment$148,693.77
Closing costs + prepaids$14,592.68
Total buyer cash needed$163,286.45
Remaining funds due$163,286.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$267.00
Prepaid interest, first (26 days)$1,700.68
Fees + prepaids$14,592.68
Your down payment is the seller’s equity. You take over the $466,306 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $163,286.45 is due at closing. Uses and sources reconcile at $629,592.68 each. Not a Closing Disclosure.