Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$183Cash toward the purchase price.
Closing costs + prepaids$14,432Not just lender fees.
Before credits & paid funds$14,615The complete starting cash picture.
Estimated remaining funds due at closing
$14,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183.19
Your down payment$183.19
Closing costs + prepaids$14,431.54
Total buyer cash needed$14,614.73
Remaining funds due$14,614.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,295.00
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)$755.50
Initial HOA (3 months)$270.00
Prepaid interest, first (7 days)$636.04
Fees + prepaids$14,431.54
Your down payment is the seller’s equity. You take over the $629,317 balance, so the rest of the $629,500 price is paid at closing. A second mortgage can cover part of it. $14,614.73 is due at closing. Uses and sources reconcile at $643,931.54 each. Not a Closing Disclosure.