Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$224,108Cash toward the purchase price.
Closing costs + prepaids$15,363Not just lender fees.
Before credits & paid funds$239,471The complete starting cash picture.
Estimated remaining funds due at closing
$239,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,107.61
Your down payment$224,107.61
Closing costs + prepaids$15,362.91
Total buyer cash needed$239,470.52
Remaining funds due$239,470.52
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)$1,327.25
Initial HOA (3 months)$30.00
Prepaid interest, first (22 days)$1,280.66
Fees + prepaids$15,362.91
Your down payment is the seller’s equity. You take over the $400,892 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $239,470.52 is due at closing. Uses and sources reconcile at $640,362.91 each. Not a Closing Disclosure.