Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,936Cash toward the purchase price.
Closing costs + prepaids$18,643Not just lender fees.
Before credits & paid funds$124,579The complete starting cash picture.
Estimated remaining funds due at closing
$124,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,936.27
Your down payment$105,936.27
Closing costs + prepaids$18,643.15
Total buyer cash needed$124,579.42
Remaining funds due$124,579.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$3,473.25
Prepaid interest, first (24 days)$2,394.90
Fees + prepaids$18,643.15
Your down payment is the seller’s equity. You take over the $524,064 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $124,579.42 is due at closing. Uses and sources reconcile at $648,643.15 each. Not a Closing Disclosure.