Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$285,152Cash toward the purchase price.
Closing costs + prepaids$14,156Not just lender fees.
Before credits & paid funds$299,308The complete starting cash picture.
Estimated remaining funds due at closing
$299,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,152.24
Your down payment$285,152.24
Closing costs + prepaids$14,155.67
Total buyer cash needed$299,307.91
Remaining funds due$299,307.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$806.25
Prepaid interest, first (15 days)$424.42
Fees + prepaids$14,155.67
Your down payment is the seller’s equity. You take over the $359,848 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $299,307.91 is due at closing. Uses and sources reconcile at $659,155.67 each. Not a Closing Disclosure.