Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$605,568Cash toward the purchase price.
Closing costs + prepaids$13,716Not just lender fees.
Before credits & paid funds$619,284The complete starting cash picture.
Estimated remaining funds due at closing
$619,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$605,568.39
Your down payment$605,568.39
Closing costs + prepaids$13,716.05
Total buyer cash needed$619,284.44
Remaining funds due$619,284.44
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)$503.00
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$113.05
Fees + prepaids$13,716.05
Your down payment is the seller’s equity. You take over the $19,432 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $619,284.44 is due at closing. Uses and sources reconcile at $638,716.05 each. Not a Closing Disclosure.