Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$410,052Cash toward the purchase price.
Closing costs + prepaids$15,421Not just lender fees.
Before credits & paid funds$425,473The complete starting cash picture.
Estimated remaining funds due at closing
$425,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,052.06
Your down payment$410,052.06
Closing costs + prepaids$15,420.91
Total buyer cash needed$425,472.96
Remaining funds due$425,472.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,829.25
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$681.66
Fees + prepaids$15,420.91
Your down payment is the seller’s equity. You take over the $219,948 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $425,472.96 is due at closing. Uses and sources reconcile at $645,420.91 each. Not a Closing Disclosure.