Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$219,022Cash toward the purchase price.
Closing costs + prepaids$14,251Not just lender fees.
Before credits & paid funds$233,273The complete starting cash picture.
Estimated remaining funds due at closing
$233,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,021.60
Your down payment$219,021.60
Closing costs + prepaids$14,251.40
Total buyer cash needed$233,273.00
Remaining funds due$233,273.00
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)$506.00
Prepaid interest, first (22 days)$1,020.40
Fees + prepaids$14,251.40
Your down payment is the seller’s equity. You take over the $405,978 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $233,273.00 is due at closing. Uses and sources reconcile at $639,251.40 each. Not a Closing Disclosure.