Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$451,189Cash toward the purchase price.
Closing costs + prepaids$13,031Not just lender fees.
Before credits & paid funds$464,220The complete starting cash picture.
Estimated remaining funds due at closing
$464,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,188.51
Your down payment$451,188.51
Closing costs + prepaids$13,031.37
Total buyer cash needed$464,219.88
Remaining funds due$464,219.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$473.75
Prepaid interest, first (2 days)$32.62
Fees + prepaids$13,031.37
Your down payment is the seller’s equity. You take over the $153,811 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $464,219.88 is due at closing. Uses and sources reconcile at $618,031.37 each. Not a Closing Disclosure.