Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$245,652Cash toward the purchase price.
Closing costs + prepaids$15,519Not just lender fees.
Before credits & paid funds$261,171The complete starting cash picture.
Estimated remaining funds due at closing
$261,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,651.74
Your down payment$245,651.74
Closing costs + prepaids$15,519.12
Total buyer cash needed$261,170.86
Remaining funds due$261,170.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$691.25
Initial HOA (3 months)$129.00
Prepaid interest, first (31 days)$1,773.87
Fees + prepaids$15,519.12
Your down payment is the seller’s equity. You take over the $399,348 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $261,170.86 is due at closing. Uses and sources reconcile at $660,519.12 each. Not a Closing Disclosure.