Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$244,568Cash toward the purchase price.
Closing costs + prepaids$14,907Not just lender fees.
Before credits & paid funds$259,475The complete starting cash picture.
Estimated remaining funds due at closing
$259,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,568.39
Your down payment$244,568.39
Closing costs + prepaids$14,906.55
Total buyer cash needed$259,474.94
Remaining funds due$259,474.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$368.50
Prepaid interest, first (29 days)$1,913.05
Fees + prepaids$14,906.55
Your down payment is the seller’s equity. You take over the $370,432 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $259,474.94 is due at closing. Uses and sources reconcile at $629,906.55 each. Not a Closing Disclosure.