Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$419,968Cash toward the purchase price.
Closing costs + prepaids$17,054Not just lender fees.
Before credits & paid funds$437,022The complete starting cash picture.
Estimated remaining funds due at closing
$437,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,967.96
Your down payment$419,967.96
Closing costs + prepaids$17,054.18
Total buyer cash needed$437,022.13
Remaining funds due$437,022.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,494.00
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)$2,990.50
Initial HOA (3 months)$534.99
Prepaid interest, first (24 days)$559.69
Fees + prepaids$17,054.18
Your down payment is the seller’s equity. You take over the $229,432 balance, so the rest of the $649,400 price is paid at closing. A second mortgage can cover part of it. $437,022.13 is due at closing. Uses and sources reconcile at $666,454.18 each. Not a Closing Disclosure.