Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$454,176Cash toward the purchase price.
Closing costs + prepaids$15,735Not just lender fees.
Before credits & paid funds$469,911The complete starting cash picture.
Estimated remaining funds due at closing
$469,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,175.72
Your down payment$454,175.72
Closing costs + prepaids$15,735.31
Total buyer cash needed$469,911.03
Remaining funds due$469,911.03
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)$1,575.00
Initial HOA (3 months)$735.00
Prepaid interest, first (27 days)$650.31
Fees + prepaids$15,735.31
Your down payment is the seller’s equity. You take over the $175,824 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $469,911.03 is due at closing. Uses and sources reconcile at $645,735.31 each. Not a Closing Disclosure.