Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$418,861Cash toward the purchase price.
Closing costs + prepaids$13,106Not just lender fees.
Before credits & paid funds$431,968The complete starting cash picture.
Estimated remaining funds due at closing
$431,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,861.28
Your down payment$418,861.28
Closing costs + prepaids$13,106.46
Total buyer cash needed$431,967.75
Remaining funds due$431,967.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$298.25
Initial HOA (3 months)$68.01
Prepaid interest, first (1 days)$16.20
Fees + prepaids$13,106.46
Your down payment is the seller’s equity. You take over the $206,039 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $431,967.75 is due at closing. Uses and sources reconcile at $638,006.46 each. Not a Closing Disclosure.