Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$395,187Cash toward the purchase price.
Closing costs + prepaids$13,383Not just lender fees.
Before credits & paid funds$408,571The complete starting cash picture.
Estimated remaining funds due at closing
$408,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,187.18
Your down payment$395,187.18
Closing costs + prepaids$13,383.39
Total buyer cash needed$408,570.57
Remaining funds due$408,570.57
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)$529.75
Initial HOA (3 months)$99.99
Prepaid interest, first (1 days)$28.65
Fees + prepaids$13,383.39
Your down payment is the seller’s equity. You take over the $229,813 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $408,570.57 is due at closing. Uses and sources reconcile at $638,383.39 each. Not a Closing Disclosure.