Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$170,990Cash toward the purchase price.
Closing costs + prepaids$16,513Not just lender fees.
Before credits & paid funds$187,503The complete starting cash picture.
Estimated remaining funds due at closing
$187,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,989.62
Your down payment$170,989.62
Closing costs + prepaids$16,513.08
Total buyer cash needed$187,502.69
Remaining funds due$187,502.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$1,483.50
Prepaid interest, first (26 days)$2,255.58
Fees + prepaids$16,513.08
Your down payment is the seller’s equity. You take over the $458,910 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $187,502.69 is due at closing. Uses and sources reconcile at $646,413.08 each. Not a Closing Disclosure.