Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$113,526Cash toward the purchase price.
Closing costs + prepaids$16,787Not just lender fees.
Before credits & paid funds$130,312The complete starting cash picture.
Estimated remaining funds due at closing
$130,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,525.63
Your down payment$113,525.63
Closing costs + prepaids$16,786.83
Total buyer cash needed$130,312.46
Remaining funds due$130,312.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,290.00
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)$1,572.50
Initial HOA (3 months)$858.00
Prepaid interest, first (18 days)$1,591.33
Fees + prepaids$16,786.83
Your down payment is the seller’s equity. You take over the $515,474 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $130,312.46 is due at closing. Uses and sources reconcile at $645,786.83 each. Not a Closing Disclosure.