Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$174,544Cash toward the purchase price.
Closing costs + prepaids$14,700Not just lender fees.
Before credits & paid funds$189,244The complete starting cash picture.
Estimated remaining funds due at closing
$189,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,544.09
Your down payment$174,544.09
Closing costs + prepaids$14,700.07
Total buyer cash needed$189,244.16
Remaining funds due$189,244.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$1,624.75
Prepaid interest, first (2 days)$101.32
Fees + prepaids$14,700.07
Your down payment is the seller’s equity. You take over the $475,356 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $189,244.16 is due at closing. Uses and sources reconcile at $664,600.07 each. Not a Closing Disclosure.