Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$266,095Cash toward the purchase price.
Closing costs + prepaids$14,362Not just lender fees.
Before credits & paid funds$280,456The complete starting cash picture.
Estimated remaining funds due at closing
$280,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,094.58
Your down payment$266,094.58
Closing costs + prepaids$14,361.84
Total buyer cash needed$280,456.41
Remaining funds due$280,456.41
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 (2 days)$74.34
Fees + prepaids$14,361.84
Your down payment is the seller’s equity. You take over the $358,905 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $280,456.41 is due at closing. Uses and sources reconcile at $639,361.84 each. Not a Closing Disclosure.