Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$469,941Cash toward the purchase price.
Closing costs + prepaids$13,983Not just lender fees.
Before credits & paid funds$483,923The complete starting cash picture.
Estimated remaining funds due at closing
$483,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,940.55
Your down payment$469,940.55
Closing costs + prepaids$13,982.56
Total buyer cash needed$483,923.11
Remaining funds due$483,923.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,260.00
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)$778.50
Initial HOA (3 months)$87.51
Prepaid interest, first (23 days)$381.55
Fees + prepaids$13,982.56
Your down payment is the seller’s equity. You take over the $156,059 balance, so the rest of the $626,000 price is paid at closing. A second mortgage can cover part of it. $483,923.11 is due at closing. Uses and sources reconcile at $639,982.56 each. Not a Closing Disclosure.