Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$169,248Cash toward the purchase price.
Closing costs + prepaids$15,145Not just lender fees.
Before credits & paid funds$184,392The complete starting cash picture.
Estimated remaining funds due at closing
$184,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,247.64
Your down payment$169,247.64
Closing costs + prepaids$15,144.58
Total buyer cash needed$184,392.22
Remaining funds due$184,392.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,180.00
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)$683.75
Prepaid interest, first (24 days)$1,805.83
Fees + prepaids$15,144.58
Your down payment is the seller’s equity. You take over the $448,752 balance, so the rest of the $618,000 price is paid at closing. A second mortgage can cover part of it. $184,392.22 is due at closing. Uses and sources reconcile at $633,144.58 each. Not a Closing Disclosure.