Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$228,147Cash toward the purchase price.
Closing costs + prepaids$16,014Not just lender fees.
Before credits & paid funds$244,161The complete starting cash picture.
Estimated remaining funds due at closing
$244,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,146.92
Your down payment$228,146.92
Closing costs + prepaids$16,014.26
Total buyer cash needed$244,161.18
Remaining funds due$244,161.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.00
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)$2,131.75
Prepaid interest, first (30 days)$1,008.51
Fees + prepaids$16,014.26
Your down payment is the seller’s equity. You take over the $411,753 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $244,161.18 is due at closing. Uses and sources reconcile at $655,914.26 each. Not a Closing Disclosure.