Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$418,533Cash toward the purchase price.
Closing costs + prepaids$14,229Not just lender fees.
Before credits & paid funds$432,763The complete starting cash picture.
Estimated remaining funds due at closing
$432,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,533.46
Your down payment$418,533.46
Closing costs + prepaids$14,229.36
Total buyer cash needed$432,762.82
Remaining funds due$432,762.82
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)$462.75
Prepaid interest, first (27 days)$1,041.61
Fees + prepaids$14,229.36
Your down payment is the seller’s equity. You take over the $206,467 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $432,762.82 is due at closing. Uses and sources reconcile at $639,229.36 each. Not a Closing Disclosure.