Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$249,961Cash toward the purchase price.
Closing costs + prepaids$15,597Not just lender fees.
Before credits & paid funds$265,558The complete starting cash picture.
Estimated remaining funds due at closing
$265,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,960.89
Your down payment$249,960.89
Closing costs + prepaids$15,597.34
Total buyer cash needed$265,558.23
Remaining funds due$265,558.23
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)$1,550.00
Initial HOA (3 months)$393.00
Prepaid interest, first (28 days)$979.34
Fees + prepaids$15,597.34
Your down payment is the seller’s equity. You take over the $370,039 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $265,558.23 is due at closing. Uses and sources reconcile at $635,597.34 each. Not a Closing Disclosure.