Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,601Cash toward the purchase price.
Closing costs + prepaids$15,486Not just lender fees.
Before credits & paid funds$195,087The complete starting cash picture.
Estimated remaining funds due at closing
$195,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,601.02
Your down payment$179,601.02
Closing costs + prepaids$15,486.04
Total buyer cash needed$195,087.06
Remaining funds due$195,087.06
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
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$899.54
Fees + prepaids$15,486.04
Your down payment is the seller’s equity. You take over the $449,399 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $195,087.06 is due at closing. Uses and sources reconcile at $644,486.04 each. Not a Closing Disclosure.