Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$457,118Cash toward the purchase price.
Closing costs + prepaids$14,869Not just lender fees.
Before credits & paid funds$471,987The complete starting cash picture.
Estimated remaining funds due at closing
$471,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,117.55
Your down payment$457,117.55
Closing costs + prepaids$14,869.18
Total buyer cash needed$471,986.73
Remaining funds due$471,986.73
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)$900.50
Initial HOA (3 months)$660.00
Prepaid interest, first (30 days)$583.68
Fees + prepaids$14,869.18
Your down payment is the seller’s equity. You take over the $167,882 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $471,986.73 is due at closing. Uses and sources reconcile at $639,869.18 each. Not a Closing Disclosure.