Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$151,450Cash toward the purchase price.
Closing costs + prepaids$17,222Not just lender fees.
Before credits & paid funds$168,672The complete starting cash picture.
Estimated remaining funds due at closing
$168,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,449.98
Your down payment$151,449.98
Closing costs + prepaids$17,222.26
Total buyer cash needed$168,672.24
Remaining funds due$168,672.24
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)$1,469.00
Initial HOA (3 months)$435.99
Prepaid interest, first (29 days)$2,692.27
Fees + prepaids$17,222.26
Your down payment is the seller’s equity. You take over the $463,550 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $168,672.24 is due at closing. Uses and sources reconcile at $632,222.26 each. Not a Closing Disclosure.