Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,398Cash toward the purchase price.
Closing costs + prepaids$17,209Not just lender fees.
Before credits & paid funds$28,607The complete starting cash picture.
Estimated remaining funds due at closing
$28,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,398.21
Your down payment$11,398.21
Closing costs + prepaids$17,208.59
Total buyer cash needed$28,606.80
Remaining funds due$28,606.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,290.00
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)$1,572.50
Prepaid interest, first (24 days)$2,871.09
Fees + prepaids$17,208.59
Your down payment is the seller’s equity. You take over the $617,602 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $28,606.80 is due at closing. Uses and sources reconcile at $646,208.59 each. Not a Closing Disclosure.