Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$437,113Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$450,465The complete starting cash picture.
Estimated remaining funds due at closing
$450,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,113.04
Your down payment$437,113.04
Closing costs + prepaids$13,351.55
Total buyer cash needed$450,464.59
Remaining funds due$450,464.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$369.00
Prepaid interest, first (18 days)$307.55
Fees + prepaids$13,351.55
Your down payment is the seller’s equity. You take over the $182,887 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $450,464.59 is due at closing. Uses and sources reconcile at $633,351.55 each. Not a Closing Disclosure.