Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$252,149Cash toward the purchase price.
Closing costs + prepaids$14,206Not just lender fees.
Before credits & paid funds$266,355The complete starting cash picture.
Estimated remaining funds due at closing
$266,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,149.13
Your down payment$252,149.13
Closing costs + prepaids$14,205.76
Total buyer cash needed$266,354.89
Remaining funds due$266,354.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
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)$762.00
Initial HOA (3 months)$108.99
Prepaid interest, first (12 days)$509.77
Fees + prepaids$14,205.76
Your down payment is the seller’s equity. You take over the $382,851 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $266,354.89 is due at closing. Uses and sources reconcile at $649,205.76 each. Not a Closing Disclosure.