Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$472,038Cash toward the purchase price.
Closing costs + prepaids$13,708Not just lender fees.
Before credits & paid funds$485,746The complete starting cash picture.
Estimated remaining funds due at closing
$485,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,037.60
Your down payment$472,037.60
Closing costs + prepaids$13,708.34
Total buyer cash needed$485,745.94
Remaining funds due$485,745.94
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)$750.00
Prepaid interest, first (12 days)$233.34
Fees + prepaids$13,708.34
Your down payment is the seller’s equity. You take over the $152,962 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $485,745.94 is due at closing. Uses and sources reconcile at $638,708.34 each. Not a Closing Disclosure.