Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$515,853Cash toward the purchase price.
Closing costs + prepaids$14,008Not just lender fees.
Before credits & paid funds$529,860The complete starting cash picture.
Estimated remaining funds due at closing
$529,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,852.90
Your down payment$515,852.90
Closing costs + prepaids$14,007.59
Total buyer cash needed$529,860.49
Remaining funds due$529,860.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$607.00
Initial HOA (3 months)$375.00
Prepaid interest, first (28 days)$300.59
Fees + prepaids$14,007.59
Your down payment is the seller’s equity. You take over the $109,147 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $529,860.49 is due at closing. Uses and sources reconcile at $639,007.59 each. Not a Closing Disclosure.