Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$232,771Cash toward the purchase price.
Closing costs + prepaids$15,086Not just lender fees.
Before credits & paid funds$247,857The complete starting cash picture.
Estimated remaining funds due at closing
$247,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,771.15
Your down payment$232,771.15
Closing costs + prepaids$15,086.34
Total buyer cash needed$247,857.48
Remaining funds due$247,857.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$291.25
Prepaid interest, first (26 days)$1,930.09
Fees + prepaids$15,086.34
Your down payment is the seller’s equity. You take over the $406,229 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $247,857.48 is due at closing. Uses and sources reconcile at $654,086.34 each. Not a Closing Disclosure.