Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$231,014Cash toward the purchase price.
Closing costs + prepaids$13,546Not just lender fees.
Before credits & paid funds$244,560The complete starting cash picture.
Estimated remaining funds due at closing
$244,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,014.25
Your down payment$231,014.25
Closing costs + prepaids$13,545.80
Total buyer cash needed$244,560.05
Remaining funds due$244,560.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.90
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)$20.50
Initial HOA (3 months)$570.00
Prepaid interest, first (2 days)$130.40
Fees + prepaids$13,545.80
Your down payment is the seller’s equity. You take over the $403,976 balance, so the rest of the $634,990 price is paid at closing. A second mortgage can cover part of it. $244,560.05 is due at closing. Uses and sources reconcile at $648,535.80 each. Not a Closing Disclosure.