Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$462,158Cash toward the purchase price.
Closing costs + prepaids$13,693Not just lender fees.
Before credits & paid funds$475,851The complete starting cash picture.
Estimated remaining funds due at closing
$475,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,158.11
Your down payment$462,158.11
Closing costs + prepaids$13,692.86
Total buyer cash needed$475,850.96
Remaining funds due$475,850.96
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)$589.25
Initial HOA (3 months)$154.50
Prepaid interest, first (20 days)$324.11
Fees + prepaids$13,692.86
Your down payment is the seller’s equity. You take over the $152,842 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $475,850.96 is due at closing. Uses and sources reconcile at $628,692.86 each. Not a Closing Disclosure.