Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$184,792Cash toward the purchase price.
Closing costs + prepaids$15,616Not just lender fees.
Before credits & paid funds$200,408The complete starting cash picture.
Estimated remaining funds due at closing
$200,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,791.71
Your down payment$184,791.71
Closing costs + prepaids$15,616.26
Total buyer cash needed$200,407.97
Remaining funds due$200,407.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,745.00
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)$1,686.25
Prepaid interest, first (18 days)$710.01
Fees + prepaids$15,616.26
Your down payment is the seller’s equity. You take over the $489,708 balance, so the rest of the $674,500 price is paid at closing. A second mortgage can cover part of it. $200,407.97 is due at closing. Uses and sources reconcile at $690,116.26 each. Not a Closing Disclosure.