Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$242,796Cash toward the purchase price.
Closing costs + prepaids$15,032Not just lender fees.
Before credits & paid funds$257,828The complete starting cash picture.
Estimated remaining funds due at closing
$257,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,795.94
Your down payment$242,795.94
Closing costs + prepaids$15,031.86
Total buyer cash needed$257,827.81
Remaining funds due$257,827.81
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)$589.50
Initial HOA (3 months)$564.99
Prepaid interest, first (31 days)$1,152.37
Fees + prepaids$15,031.86
Your down payment is the seller’s equity. You take over the $382,204 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $257,827.81 is due at closing. Uses and sources reconcile at $640,031.86 each. Not a Closing Disclosure.