Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$180,048Cash toward the purchase price.
Closing costs + prepaids$14,528Not just lender fees.
Before credits & paid funds$194,576The complete starting cash picture.
Estimated remaining funds due at closing
$194,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,048.42
Your down payment$180,048.42
Closing costs + prepaids$14,528.04
Total buyer cash needed$194,576.47
Remaining funds due$194,576.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$756.00
Prepaid interest, first (12 days)$997.04
Fees + prepaids$14,528.04
Your down payment is the seller’s equity. You take over the $449,952 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $194,576.47 is due at closing. Uses and sources reconcile at $644,528.04 each. Not a Closing Disclosure.