Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$448,079Cash toward the purchase price.
Closing costs + prepaids$14,276Not just lender fees.
Before credits & paid funds$462,354The complete starting cash picture.
Estimated remaining funds due at closing
$462,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,078.84
Your down payment$448,078.84
Closing costs + prepaids$14,275.59
Total buyer cash needed$462,354.43
Remaining funds due$462,354.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$739.75
Prepaid interest, first (27 days)$670.84
Fees + prepaids$14,275.59
Your down payment is the seller’s equity. You take over the $190,921 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $462,354.43 is due at closing. Uses and sources reconcile at $653,275.59 each. Not a Closing Disclosure.