Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$169,053Cash toward the purchase price.
Closing costs + prepaids$14,786Not just lender fees.
Before credits & paid funds$183,839The complete starting cash picture.
Estimated remaining funds due at closing
$183,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,053.31
Your down payment$169,053.31
Closing costs + prepaids$14,785.66
Total buyer cash needed$183,838.97
Remaining funds due$183,838.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$1,105.75
Prepaid interest, first (25 days)$905.91
Fees + prepaids$14,785.66
Your down payment is the seller’s equity. You take over the $460,847 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $183,838.97 is due at closing. Uses and sources reconcile at $644,685.66 each. Not a Closing Disclosure.