Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$183,046Cash toward the purchase price.
Closing costs + prepaids$16,643Not just lender fees.
Before credits & paid funds$199,689The complete starting cash picture.
Estimated remaining funds due at closing
$199,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,046.40
Your down payment$183,046.40
Closing costs + prepaids$16,642.91
Total buyer cash needed$199,689.31
Remaining funds due$199,689.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.00
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)$1,908.50
Prepaid interest, first (24 days)$1,910.41
Fees + prepaids$16,642.91
Your down payment is the seller’s equity. You take over the $451,854 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $199,689.31 is due at closing. Uses and sources reconcile at $651,542.91 each. Not a Closing Disclosure.