Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$174,480Cash toward the purchase price.
Closing costs + prepaids$14,694Not just lender fees.
Before credits & paid funds$189,173The complete starting cash picture.
Estimated remaining funds due at closing
$189,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,479.90
Your down payment$174,479.90
Closing costs + prepaids$14,693.52
Total buyer cash needed$189,173.42
Remaining funds due$189,173.42
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)$977.00
Prepaid interest, first (28 days)$1,091.52
Fees + prepaids$14,693.52
Your down payment is the seller’s equity. You take over the $440,520 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $189,173.42 is due at closing. Uses and sources reconcile at $629,693.52 each. Not a Closing Disclosure.