Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$232,484Cash toward the purchase price.
Closing costs + prepaids$14,758Not just lender fees.
Before credits & paid funds$247,243The complete starting cash picture.
Estimated remaining funds due at closing
$247,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,484.37
Your down payment$232,484.37
Closing costs + prepaids$14,758.32
Total buyer cash needed$247,242.69
Remaining funds due$247,242.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$787.50
Prepaid interest, first (16 days)$1,196.82
Fees + prepaids$14,758.32
Your down payment is the seller’s equity. You take over the $397,416 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $247,242.69 is due at closing. Uses and sources reconcile at $644,658.32 each. Not a Closing Disclosure.