Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$174,480Cash toward the purchase price.
Closing costs + prepaids$13,831Not just lender fees.
Before credits & paid funds$188,311The complete starting cash picture.
Estimated remaining funds due at closing
$188,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,479.90
Your down payment$174,479.90
Closing costs + prepaids$13,830.80
Total buyer cash needed$188,310.69
Remaining funds due$188,310.69
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)$738.00
Prepaid interest, first (12 days)$467.80
Fees + prepaids$13,830.80
Your down payment is the seller’s equity. You take over the $440,520 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $188,310.69 is due at closing. Uses and sources reconcile at $628,830.80 each. Not a Closing Disclosure.