Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$297,176Cash toward the purchase price.
Closing costs + prepaids$15,378Not just lender fees.
Before credits & paid funds$312,554The complete starting cash picture.
Estimated remaining funds due at closing
$312,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,175.97
Your down payment$297,175.97
Closing costs + prepaids$15,378.41
Total buyer cash needed$312,554.38
Remaining funds due$312,554.38
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)$1,077.25
Prepaid interest, first (23 days)$1,576.16
Fees + prepaids$15,378.41
Your down payment is the seller’s equity. You take over the $327,824 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $312,554.38 is due at closing. Uses and sources reconcile at $640,378.41 each. Not a Closing Disclosure.