Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$451,822Cash toward the purchase price.
Closing costs + prepaids$14,938Not just lender fees.
Before credits & paid funds$466,760The complete starting cash picture.
Estimated remaining funds due at closing
$466,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,821.95
Your down payment$451,821.95
Closing costs + prepaids$14,937.87
Total buyer cash needed$466,759.82
Remaining funds due$466,759.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,346.50
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$551.38
Fees + prepaids$14,937.87
Your down payment is the seller’s equity. You take over the $187,178 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $466,759.82 is due at closing. Uses and sources reconcile at $653,937.87 each. Not a Closing Disclosure.