Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$173,590Cash toward the purchase price.
Closing costs + prepaids$16,900Not just lender fees.
Before credits & paid funds$190,490The complete starting cash picture.
Estimated remaining funds due at closing
$190,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,590.46
Your down payment$173,590.46
Closing costs + prepaids$16,899.71
Total buyer cash needed$190,490.18
Remaining funds due$190,490.18
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)$1,537.50
Initial HOA (3 months)$405.00
Prepaid interest, first (29 days)$2,332.21
Fees + prepaids$16,899.71
Your down payment is the seller’s equity. You take over the $441,410 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $190,490.18 is due at closing. Uses and sources reconcile at $631,899.71 each. Not a Closing Disclosure.