Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$393,684Cash toward the purchase price.
Closing costs + prepaids$14,207Not just lender fees.
Before credits & paid funds$407,891The complete starting cash picture.
Estimated remaining funds due at closing
$407,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,683.92
Your down payment$393,683.92
Closing costs + prepaids$14,207.48
Total buyer cash needed$407,891.41
Remaining funds due$407,891.41
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)$317.00
Initial HOA (3 months)$750.00
Prepaid interest, first (22 days)$415.48
Fees + prepaids$14,207.48
Your down payment is the seller’s equity. You take over the $231,316 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $407,891.41 is due at closing. Uses and sources reconcile at $639,207.48 each. Not a Closing Disclosure.