Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$185,281Cash toward the purchase price.
Closing costs + prepaids$16,094Not just lender fees.
Before credits & paid funds$201,375The complete starting cash picture.
Estimated remaining funds due at closing
$201,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,280.54
Your down payment$185,280.54
Closing costs + prepaids$16,094.14
Total buyer cash needed$201,374.68
Remaining funds due$201,374.68
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 (25 days)$1,756.64
Fees + prepaids$16,094.14
Your down payment is the seller’s equity. You take over the $443,719 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $201,374.68 is due at closing. Uses and sources reconcile at $645,094.14 each. Not a Closing Disclosure.