Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$136,238Cash toward the purchase price.
Closing costs + prepaids$15,032Not just lender fees.
Before credits & paid funds$151,270The complete starting cash picture.
Estimated remaining funds due at closing
$151,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,237.98
Your down payment$136,237.98
Closing costs + prepaids$15,032.32
Total buyer cash needed$151,270.30
Remaining funds due$151,270.30
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)$1,067.50
Initial HOA (3 months)$159.99
Prepaid interest, first (28 days)$1,079.83
Fees + prepaids$15,032.32
Your down payment is the seller’s equity. You take over the $488,762 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $151,270.30 is due at closing. Uses and sources reconcile at $640,032.32 each. Not a Closing Disclosure.