Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$484,782Cash toward the purchase price.
Closing costs + prepaids$14,813Not just lender fees.
Before credits & paid funds$499,595The complete starting cash picture.
Estimated remaining funds due at closing
$499,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,782.02
Your down payment$484,782.02
Closing costs + prepaids$14,812.94
Total buyer cash needed$499,594.96
Remaining funds due$499,594.96
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)$1,048.25
Initial HOA (3 months)$585.00
Prepaid interest, first (22 days)$454.69
Fees + prepaids$14,812.94
Your down payment is the seller’s equity. You take over the $140,218 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $499,594.96 is due at closing. Uses and sources reconcile at $639,812.94 each. Not a Closing Disclosure.