Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,813Cash toward the purchase price.
Closing costs + prepaids$16,970Not just lender fees.
Before credits & paid funds$126,784The complete starting cash picture.
Estimated remaining funds due at closing
$126,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,813.10
Your down payment$109,813.10
Closing costs + prepaids$16,970.46
Total buyer cash needed$126,783.56
Remaining funds due$126,783.56
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)$1,575.00
Prepaid interest, first (27 days)$2,620.46
Fees + prepaids$16,970.46
Your down payment is the seller’s equity. You take over the $520,187 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $126,783.56 is due at closing. Uses and sources reconcile at $646,970.46 each. Not a Closing Disclosure.