Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$441,303Cash toward the purchase price.
Closing costs + prepaids$14,054Not just lender fees.
Before credits & paid funds$455,356The complete starting cash picture.
Estimated remaining funds due at closing
$455,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,302.78
Your down payment$441,302.78
Closing costs + prepaids$14,053.52
Total buyer cash needed$455,356.30
Remaining funds due$455,356.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$517.00
Initial HOA (3 months)$258.99
Prepaid interest, first (31 days)$602.53
Fees + prepaids$14,053.52
Your down payment is the seller’s equity. You take over the $178,697 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $455,356.30 is due at closing. Uses and sources reconcile at $634,053.52 each. Not a Closing Disclosure.