Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$168,194Cash toward the purchase price.
Closing costs + prepaids$14,996Not just lender fees.
Before credits & paid funds$183,190The complete starting cash picture.
Estimated remaining funds due at closing
$183,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,194.03
Your down payment$168,194.03
Closing costs + prepaids$14,996.38
Total buyer cash needed$183,190.41
Remaining funds due$183,190.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$798.75
Initial HOA (3 months)$75.00
Prepaid interest, first (15 days)$1,257.63
Fees + prepaids$14,996.38
Your down payment is the seller’s equity. You take over the $470,806 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $183,190.41 is due at closing. Uses and sources reconcile at $653,996.38 each. Not a Closing Disclosure.