Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$426,894Cash toward the purchase price.
Closing costs + prepaids$14,003Not just lender fees.
Before credits & paid funds$440,897The complete starting cash picture.
Estimated remaining funds due at closing
$440,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,893.97
Your down payment$426,893.97
Closing costs + prepaids$14,003.10
Total buyer cash needed$440,897.07
Remaining funds due$440,897.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,280.00
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)$582.50
Initial HOA (3 months)$270.00
Prepaid interest, first (20 days)$395.60
Fees + prepaids$14,003.10
Your down payment is the seller’s equity. You take over the $201,106 balance, so the rest of the $628,000 price is paid at closing. A second mortgage can cover part of it. $440,897.07 is due at closing. Uses and sources reconcile at $642,003.10 each. Not a Closing Disclosure.