Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$494,122Cash toward the purchase price.
Closing costs + prepaids$14,772Not just lender fees.
Before credits & paid funds$508,894The complete starting cash picture.
Estimated remaining funds due at closing
$508,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$494,122.36
Your down payment$494,122.36
Closing costs + prepaids$14,771.77
Total buyer cash needed$508,894.14
Remaining funds due$508,894.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$700.25
Initial HOA (3 months)$534.00
Prepaid interest, first (31 days)$612.52
Fees + prepaids$14,771.77
Your down payment is the seller’s equity. You take over the $150,878 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $508,894.14 is due at closing. Uses and sources reconcile at $659,771.77 each. Not a Closing Disclosure.