Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$183,392Cash toward the purchase price.
Closing costs + prepaids$13,700Not just lender fees.
Before credits & paid funds$197,092The complete starting cash picture.
Estimated remaining funds due at closing
$197,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,392.35
Your down payment$183,392.35
Closing costs + prepaids$13,700.10
Total buyer cash needed$197,092.45
Remaining funds due$197,092.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$726.00
Prepaid interest, first (12 days)$449.10
Fees + prepaids$13,700.10
Your down payment is the seller’s equity. You take over the $421,608 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $197,092.45 is due at closing. Uses and sources reconcile at $618,700.10 each. Not a Closing Disclosure.