Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$436,233Cash toward the purchase price.
Closing costs + prepaids$15,714Not just lender fees.
Before credits & paid funds$451,947The complete starting cash picture.
Estimated remaining funds due at closing
$451,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,233.42
Your down payment$436,233.42
Closing costs + prepaids$15,713.93
Total buyer cash needed$451,947.35
Remaining funds due$451,947.35
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)$2,240.75
Initial HOA (3 months)$200.01
Prepaid interest, first (24 days)$498.17
Fees + prepaids$15,713.93
Your down payment is the seller’s equity. You take over the $193,767 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $451,947.35 is due at closing. Uses and sources reconcile at $645,713.93 each. Not a Closing Disclosure.