Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$422,774Cash toward the purchase price.
Closing costs + prepaids$15,243Not just lender fees.
Before credits & paid funds$438,017The complete starting cash picture.
Estimated remaining funds due at closing
$438,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,774.11
Your down payment$422,774.11
Closing costs + prepaids$15,242.60
Total buyer cash needed$438,016.71
Remaining funds due$438,016.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,290.00
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)$2,023.00
Prepaid interest, first (27 days)$454.60
Fees + prepaids$15,242.60
Your down payment is the seller’s equity. You take over the $206,226 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $438,016.71 is due at closing. Uses and sources reconcile at $644,242.60 each. Not a Closing Disclosure.