Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$192,924Cash toward the purchase price.
Closing costs + prepaids$15,095Not just lender fees.
Before credits & paid funds$208,019The complete starting cash picture.
Estimated remaining funds due at closing
$208,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,924.12
Your down payment$192,924.12
Closing costs + prepaids$15,094.79
Total buyer cash needed$208,018.91
Remaining funds due$208,018.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$382.00
Prepaid interest, first (22 days)$1,837.79
Fees + prepaids$15,094.79
Your down payment is the seller’s equity. You take over the $447,076 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $208,018.91 is due at closing. Uses and sources reconcile at $655,094.79 each. Not a Closing Disclosure.