Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$226,592Cash toward the purchase price.
Closing costs + prepaids$15,439Not just lender fees.
Before credits & paid funds$242,031The complete starting cash picture.
Estimated remaining funds due at closing
$242,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,591.80
Your down payment$226,591.80
Closing costs + prepaids$15,439.02
Total buyer cash needed$242,030.82
Remaining funds due$242,030.82
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)$757.50
Initial HOA (3 months)$975.00
Prepaid interest, first (28 days)$941.52
Fees + prepaids$15,439.02
Your down payment is the seller’s equity. You take over the $402,408 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $242,030.82 is due at closing. Uses and sources reconcile at $644,439.02 each. Not a Closing Disclosure.