Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$395,692Cash toward the purchase price.
Closing costs + prepaids$14,098Not just lender fees.
Before credits & paid funds$409,790The complete starting cash picture.
Estimated remaining funds due at closing
$409,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,691.99
Your down payment$395,691.99
Closing costs + prepaids$14,097.95
Total buyer cash needed$409,789.93
Remaining funds due$409,789.93
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)$529.75
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$743.21
Fees + prepaids$14,097.95
Your down payment is the seller’s equity. You take over the $229,308 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $409,789.93 is due at closing. Uses and sources reconcile at $639,097.95 each. Not a Closing Disclosure.