Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,649Cash toward the purchase price.
Closing costs + prepaids$15,550Not just lender fees.
Before credits & paid funds$255,199The complete starting cash picture.
Estimated remaining funds due at closing
$255,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,649.45
Your down payment$239,649.45
Closing costs + prepaids$15,549.99
Total buyer cash needed$255,199.44
Remaining funds due$255,199.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.00
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)$1,574.75
Initial HOA (3 months)$363.00
Prepaid interest, first (28 days)$838.24
Fees + prepaids$15,549.99
Your down payment is the seller’s equity. You take over the $390,251 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $255,199.44 is due at closing. Uses and sources reconcile at $645,449.99 each. Not a Closing Disclosure.