Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,981Cash toward the purchase price.
Closing costs + prepaids$15,363Not just lender fees.
Before credits & paid funds$203,343The complete starting cash picture.
Estimated remaining funds due at closing
$203,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,980.59
Your down payment$187,980.59
Closing costs + prepaids$15,362.56
Total buyer cash needed$203,343.15
Remaining funds due$203,343.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,049.00
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)$413.00
Prepaid interest, first (31 days)$2,425.56
Fees + prepaids$15,362.56
Your down payment is the seller’s equity. You take over the $416,919 balance, so the rest of the $604,900 price is paid at closing. A second mortgage can cover part of it. $203,343.15 is due at closing. Uses and sources reconcile at $620,262.56 each. Not a Closing Disclosure.