Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$385,623Cash toward the purchase price.
Closing costs + prepaids$16,859Not just lender fees.
Before credits & paid funds$402,482The complete starting cash picture.
Estimated remaining funds due at closing
$402,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,623.28
Your down payment$385,623.28
Closing costs + prepaids$16,858.68
Total buyer cash needed$402,481.96
Remaining funds due$402,481.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,612.50
Initial HOA (3 months)$1,830.00
Prepaid interest, first (24 days)$491.18
Fees + prepaids$16,858.68
Your down payment is the seller’s equity. You take over the $259,377 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $402,481.96 is due at closing. Uses and sources reconcile at $661,858.68 each. Not a Closing Disclosure.