Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$258,775Cash toward the purchase price.
Closing costs + prepaids$14,576Not just lender fees.
Before credits & paid funds$273,352The complete starting cash picture.
Estimated remaining funds due at closing
$273,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,775.24
Your down payment$258,775.24
Closing costs + prepaids$14,576.33
Total buyer cash needed$273,351.58
Remaining funds due$273,351.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,290.00
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)$754.75
Initial HOA (3 months)$420.00
Prepaid interest, first (12 days)$636.58
Fees + prepaids$14,576.33
Your down payment is the seller’s equity. You take over the $370,225 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $273,351.58 is due at closing. Uses and sources reconcile at $643,576.33 each. Not a Closing Disclosure.