Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$479,206Cash toward the purchase price.
Closing costs + prepaids$14,426Not just lender fees.
Before credits & paid funds$493,632The complete starting cash picture.
Estimated remaining funds due at closing
$493,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,205.86
Your down payment$479,205.86
Closing costs + prepaids$14,425.69
Total buyer cash needed$493,631.55
Remaining funds due$493,631.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,000.00
Prepaid interest, first (30 days)$650.69
Fees + prepaids$14,425.69
Your down payment is the seller’s equity. You take over the $150,794 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $493,631.55 is due at closing. Uses and sources reconcile at $644,425.69 each. Not a Closing Disclosure.