Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$184,345Cash toward the purchase price.
Closing costs + prepaids$13,350Not just lender fees.
Before credits & paid funds$197,695The complete starting cash picture.
Estimated remaining funds due at closing
$197,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,344.86
Your down payment$184,344.86
Closing costs + prepaids$13,349.76
Total buyer cash needed$197,694.61
Remaining funds due$197,694.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$846.00
Prepaid interest, first (2 days)$78.76
Fees + prepaids$13,349.76
Your down payment is the seller’s equity. You take over the $410,655 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $197,694.61 is due at closing. Uses and sources reconcile at $608,349.76 each. Not a Closing Disclosure.