Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$267,935Cash toward the purchase price.
Closing costs + prepaids$15,349Not just lender fees.
Before credits & paid funds$283,284The complete starting cash picture.
Estimated remaining funds due at closing
$283,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,935.16
Your down payment$267,935.16
Closing costs + prepaids$15,349.03
Total buyer cash needed$283,284.19
Remaining funds due$283,284.19
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)$1,600.00
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$739.03
Fees + prepaids$15,349.03
Your down payment is the seller’s equity. You take over the $372,065 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $283,284.19 is due at closing. Uses and sources reconcile at $655,349.03 each. Not a Closing Disclosure.