Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$610,006Cash toward the purchase price.
Closing costs + prepaids$14,430Not just lender fees.
Before credits & paid funds$624,436The complete starting cash picture.
Estimated remaining funds due at closing
$624,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$610,005.66
Your down payment$610,005.66
Closing costs + prepaids$14,429.95
Total buyer cash needed$624,435.62
Remaining funds due$624,435.62
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 (27 days)$92.45
Fees + prepaids$14,429.95
Your down payment is the seller’s equity. You take over the $18,994 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $624,435.62 is due at closing. Uses and sources reconcile at $643,429.95 each. Not a Closing Disclosure.