Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$168,233Cash toward the purchase price.
Closing costs + prepaids$15,983Not just lender fees.
Before credits & paid funds$184,216The complete starting cash picture.
Estimated remaining funds due at closing
$184,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,233.21
Your down payment$168,233.21
Closing costs + prepaids$15,982.70
Total buyer cash needed$184,215.91
Remaining funds due$184,215.91
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)$620.75
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$2,606.95
Fees + prepaids$15,982.70
Your down payment is the seller’s equity. You take over the $456,767 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $184,215.91 is due at closing. Uses and sources reconcile at $640,982.70 each. Not a Closing Disclosure.