Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$419,334Cash toward the purchase price.
Closing costs + prepaids$13,527Not just lender fees.
Before credits & paid funds$432,861The complete starting cash picture.
Estimated remaining funds due at closing
$432,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,333.90
Your down payment$419,333.90
Closing costs + prepaids$13,526.68
Total buyer cash needed$432,860.58
Remaining funds due$432,860.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$298.25
Initial HOA (3 months)$68.01
Prepaid interest, first (27 days)$436.42
Fees + prepaids$13,526.68
Your down payment is the seller’s equity. You take over the $205,566 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $432,860.58 is due at closing. Uses and sources reconcile at $638,426.68 each. Not a Closing Disclosure.