Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$418,533Cash toward the purchase price.
Closing costs + prepaids$13,959Not just lender fees.
Before credits & paid funds$432,493The complete starting cash picture.
Estimated remaining funds due at closing
$432,493No 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$13,959.31
Total buyer cash needed$432,492.78
Remaining funds due$432,492.78
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 (20 days)$771.56
Fees + prepaids$13,959.31
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. $432,492.78 is due at closing. Uses and sources reconcile at $638,959.31 each. Not a Closing Disclosure.