Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$256,675Cash toward the purchase price.
Closing costs + prepaids$15,069Not just lender fees.
Before credits & paid funds$271,744The complete starting cash picture.
Estimated remaining funds due at closing
$271,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,674.83
Your down payment$256,674.83
Closing costs + prepaids$15,068.74
Total buyer cash needed$271,743.57
Remaining funds due$271,743.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,575.00
Initial HOA (3 months)$690.00
Prepaid interest, first (1 days)$28.74
Fees + prepaids$15,068.74
Your down payment is the seller’s equity. You take over the $373,325 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $271,743.57 is due at closing. Uses and sources reconcile at $645,068.74 each. Not a Closing Disclosure.