Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$318,972Cash toward the purchase price.
Closing costs + prepaids$15,364Not just lender fees.
Before credits & paid funds$334,335The complete starting cash picture.
Estimated remaining funds due at closing
$334,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,971.77
Your down payment$318,971.77
Closing costs + prepaids$15,363.55
Total buyer cash needed$334,335.31
Remaining funds due$334,335.31
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)$1,562.50
Prepaid interest, first (31 days)$1,076.05
Fees + prepaids$15,363.55
Your down payment is the seller’s equity. You take over the $306,028 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $334,335.31 is due at closing. Uses and sources reconcile at $640,363.55 each. Not a Closing Disclosure.