Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$10,764Cash toward the purchase price.
Closing costs + prepaids$15,191Not just lender fees.
Before credits & paid funds$25,956The complete starting cash picture.
Estimated remaining funds due at closing
$25,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,764.47
Your down payment$10,764.47
Closing costs + prepaids$15,191.25
Total buyer cash needed$25,955.72
Remaining funds due$25,955.72
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)$2,186.75
Prepaid interest, first (2 days)$239.50
Fees + prepaids$15,191.25
Your down payment is the seller’s equity. You take over the $618,236 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $25,955.72 is due at closing. Uses and sources reconcile at $644,191.25 each. Not a Closing Disclosure.