Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$429,875Cash toward the purchase price.
Closing costs + prepaids$13,821Not just lender fees.
Before credits & paid funds$443,696The complete starting cash picture.
Estimated remaining funds due at closing
$443,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,875.43
Your down payment$429,875.43
Closing costs + prepaids$13,820.82
Total buyer cash needed$443,696.26
Remaining funds due$443,696.26
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)$508.50
Initial HOA (3 months)$165.00
Prepaid interest, first (20 days)$422.32
Fees + prepaids$13,820.82
Your down payment is the seller’s equity. You take over the $195,125 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $443,696.26 is due at closing. Uses and sources reconcile at $638,820.82 each. Not a Closing Disclosure.