Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$156,533Cash toward the purchase price.
Closing costs + prepaids$13,899Not just lender fees.
Before credits & paid funds$170,432The complete starting cash picture.
Estimated remaining funds due at closing
$170,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,532.64
Your down payment$156,532.64
Closing costs + prepaids$13,899.12
Total buyer cash needed$170,431.76
Remaining funds due$170,431.76
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)$720.75
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$81.37
Fees + prepaids$13,899.12
Your down payment is the seller’s equity. You take over the $468,467 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $170,431.76 is due at closing. Uses and sources reconcile at $638,899.12 each. Not a Closing Disclosure.