Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$432,251Cash toward the purchase price.
Closing costs + prepaids$13,971Not just lender fees.
Before credits & paid funds$446,222The complete starting cash picture.
Estimated remaining funds due at closing
$446,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,250.94
Your down payment$432,250.94
Closing costs + prepaids$13,971.09
Total buyer cash needed$446,222.03
Remaining funds due$446,222.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$577.00
Prepaid interest, first (24 days)$519.09
Fees + prepaids$13,971.09
Your down payment is the seller’s equity. You take over the $207,749 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $446,222.03 is due at closing. Uses and sources reconcile at $653,971.09 each. Not a Closing Disclosure.