Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$157,095Cash toward the purchase price.
Closing costs + prepaids$16,012Not just lender fees.
Before credits & paid funds$173,107The complete starting cash picture.
Estimated remaining funds due at closing
$173,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,095.28
Your down payment$157,095.28
Closing costs + prepaids$16,012.16
Total buyer cash needed$173,107.44
Remaining funds due$173,107.44
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)$720.75
Initial HOA (3 months)$372.00
Prepaid interest, first (27 days)$2,194.41
Fees + prepaids$16,012.16
Your down payment is the seller’s equity. You take over the $467,905 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $173,107.44 is due at closing. Uses and sources reconcile at $641,012.16 each. Not a Closing Disclosure.