Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$187,981Cash toward the purchase price.
Closing costs + prepaids$15,128Not just lender fees.
Before credits & paid funds$203,108The complete starting cash picture.
Estimated remaining funds due at closing
$203,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,980.59
Your down payment$187,980.59
Closing costs + prepaids$15,127.83
Total buyer cash needed$203,108.42
Remaining funds due$203,108.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,049.00
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)$413.00
Prepaid interest, first (28 days)$2,190.83
Fees + prepaids$15,127.83
Your down payment is the seller’s equity. You take over the $416,919 balance, so the rest of the $604,900 price is paid at closing. A second mortgage can cover part of it. $203,108.42 is due at closing. Uses and sources reconcile at $620,027.83 each. Not a Closing Disclosure.