Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$103,606Cash toward the purchase price.
Closing costs + prepaids$15,639Not just lender fees.
Before credits & paid funds$119,245The complete starting cash picture.
Estimated remaining funds due at closing
$119,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,605.59
Your down payment$103,605.59
Closing costs + prepaids$15,639.28
Total buyer cash needed$119,244.87
Remaining funds due$119,244.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.50
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)$869.00
Prepaid interest, first (20 days)$1,995.78
Fees + prepaids$15,639.28
Your down payment is the seller’s equity. You take over the $526,344 balance, so the rest of the $629,950 price is paid at closing. A second mortgage can cover part of it. $119,244.87 is due at closing. Uses and sources reconcile at $645,589.28 each. Not a Closing Disclosure.