Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$426,253Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$439,880The complete starting cash picture.
Estimated remaining funds due at closing
$439,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,252.50
Your down payment$426,252.50
Closing costs + prepaids$13,627.34
Total buyer cash needed$439,879.85
Remaining funds due$439,879.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,280.00
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)$582.50
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$19.84
Fees + prepaids$13,627.34
Your down payment is the seller’s equity. You take over the $201,747 balance, so the rest of the $628,000 price is paid at closing. A second mortgage can cover part of it. $439,879.85 is due at closing. Uses and sources reconcile at $641,627.34 each. Not a Closing Disclosure.