Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$152,227Cash toward the purchase price.
Closing costs + prepaids$17,037Not just lender fees.
Before credits & paid funds$169,263The complete starting cash picture.
Estimated remaining funds due at closing
$169,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,226.54
Your down payment$152,226.54
Closing costs + prepaids$17,036.67
Total buyer cash needed$169,263.21
Remaining funds due$169,263.21
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)$1,331.00
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$2,794.67
Fees + prepaids$17,036.67
Your down payment is the seller’s equity. You take over the $472,773 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $169,263.21 is due at closing. Uses and sources reconcile at $642,036.67 each. Not a Closing Disclosure.