Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$244,818Cash toward the purchase price.
Closing costs + prepaids$14,885Not just lender fees.
Before credits & paid funds$259,703The complete starting cash picture.
Estimated remaining funds due at closing
$259,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,817.85
Your down payment$244,817.85
Closing costs + prepaids$14,884.80
Total buyer cash needed$259,702.65
Remaining funds due$259,702.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,957.50
Initial HOA (3 months)$159.99
Prepaid interest, first (2 days)$102.31
Fees + prepaids$14,884.80
Your down payment is the seller’s equity. You take over the $374,182 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $259,702.65 is due at closing. Uses and sources reconcile at $633,884.80 each. Not a Closing Disclosure.