Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$429,309Cash toward the purchase price.
Closing costs + prepaids$13,420Not just lender fees.
Before credits & paid funds$442,728The complete starting cash picture.
Estimated remaining funds due at closing
$442,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,308.60
Your down payment$429,308.60
Closing costs + prepaids$13,419.68
Total buyer cash needed$442,728.28
Remaining funds due$442,728.28
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)$508.50
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$21.18
Fees + prepaids$13,419.68
Your down payment is the seller’s equity. You take over the $195,691 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $442,728.28 is due at closing. Uses and sources reconcile at $638,419.68 each. Not a Closing Disclosure.