Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$213Cash toward the purchase price.
Closing costs + prepaids$17,535Not just lender fees.
Before credits & paid funds$17,748The complete starting cash picture.
Estimated remaining funds due at closing
$17,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213.10
Your down payment$213.10
Closing costs + prepaids$17,535.12
Total buyer cash needed$17,748.22
Remaining funds due$17,748.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,230.00
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)$1,557.50
Prepaid interest, first (28 days)$3,272.62
Fees + prepaids$17,535.12
Your down payment is the seller’s equity. You take over the $622,787 balance, so the rest of the $623,000 price is paid at closing. A second mortgage can cover part of it. $17,748.22 is due at closing. Uses and sources reconcile at $640,535.12 each. Not a Closing Disclosure.