Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$132,054Cash toward the purchase price.
Closing costs + prepaids$15,799Not just lender fees.
Before credits & paid funds$147,852The complete starting cash picture.
Estimated remaining funds due at closing
$147,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,053.50
Your down payment$132,053.50
Closing costs + prepaids$15,798.85
Total buyer cash needed$147,852.35
Remaining funds due$147,852.35
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)$740.00
Prepaid interest, first (24 days)$2,293.85
Fees + prepaids$15,798.85
Your down payment is the seller’s equity. You take over the $496,946 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $147,852.35 is due at closing. Uses and sources reconcile at $644,798.85 each. Not a Closing Disclosure.