Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$175,891Cash toward the purchase price.
Closing costs + prepaids$14,471Not just lender fees.
Before credits & paid funds$190,362The complete starting cash picture.
Estimated remaining funds due at closing
$190,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,891.14
Your down payment$175,891.14
Closing costs + prepaids$14,471.25
Total buyer cash needed$190,362.39
Remaining funds due$190,362.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$1,451.25
Initial HOA (3 months)$125.01
Prepaid interest, first (2 days)$170.99
Fees + prepaids$14,471.25
Your down payment is the seller’s equity. You take over the $449,009 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $190,362.39 is due at closing. Uses and sources reconcile at $639,371.25 each. Not a Closing Disclosure.