Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$450,110Cash toward the purchase price.
Closing costs + prepaids$14,919Not just lender fees.
Before credits & paid funds$465,029The complete starting cash picture.
Estimated remaining funds due at closing
$465,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,110.05
Your down payment$450,110.05
Closing costs + prepaids$14,918.57
Total buyer cash needed$465,028.62
Remaining funds due$465,028.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$2,183.25
Prepaid interest, first (6 days)$110.32
Fees + prepaids$14,918.57
Your down payment is the seller’s equity. You take over the $164,890 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $465,028.62 is due at closing. Uses and sources reconcile at $629,918.57 each. Not a Closing Disclosure.