Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$422,104Cash toward the purchase price.
Closing costs + prepaids$16,049Not just lender fees.
Before credits & paid funds$438,153The complete starting cash picture.
Estimated remaining funds due at closing
$438,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,103.83
Your down payment$422,103.83
Closing costs + prepaids$16,048.93
Total buyer cash needed$438,152.77
Remaining funds due$438,152.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,723.00
Initial HOA (3 months)$1,083.00
Prepaid interest, first (24 days)$377.93
Fees + prepaids$16,048.93
Your down payment is the seller’s equity. You take over the $216,896 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $438,152.77 is due at closing. Uses and sources reconcile at $655,048.93 each. Not a Closing Disclosure.