Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,673Cash toward the purchase price.
Closing costs + prepaids$14,100Not just lender fees.
Before credits & paid funds$186,773The complete starting cash picture.
Estimated remaining funds due at closing
$186,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,673.21
Your down payment$172,673.21
Closing costs + prepaids$14,099.50
Total buyer cash needed$186,772.72
Remaining funds due$186,772.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$793.75
Initial HOA (3 months)$105.00
Prepaid interest, first (2 days)$175.75
Fees + prepaids$14,099.50
Your down payment is the seller’s equity. You take over the $482,327 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $186,772.72 is due at closing. Uses and sources reconcile at $669,099.50 each. Not a Closing Disclosure.