Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$613,723Cash toward the purchase price.
Closing costs + prepaids$14,637Not just lender fees.
Before credits & paid funds$628,360The complete starting cash picture.
Estimated remaining funds due at closing
$628,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$613,723.01
Your down payment$613,723.01
Closing costs + prepaids$14,636.96
Total buyer cash needed$628,359.97
Remaining funds due$628,359.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$1,713.75
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$64.21
Fees + prepaids$14,636.96
Your down payment is the seller’s equity. You take over the $11,177 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $628,359.97 is due at closing. Uses and sources reconcile at $639,536.96 each. Not a Closing Disclosure.