Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$225,700Cash toward the purchase price.
Closing costs + prepaids$16,275Not just lender fees.
Before credits & paid funds$241,975The complete starting cash picture.
Estimated remaining funds due at closing
$241,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,699.67
Your down payment$225,699.67
Closing costs + prepaids$16,275.39
Total buyer cash needed$241,975.06
Remaining funds due$241,975.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,879.00
Initial HOA (3 months)$177.99
Prepaid interest, first (27 days)$1,293.40
Fees + prepaids$16,275.39
Your down payment is the seller’s equity. You take over the $419,300 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $241,975.06 is due at closing. Uses and sources reconcile at $661,275.39 each. Not a Closing Disclosure.