Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$426,894Cash toward the purchase price.
Closing costs + prepaids$13,976Not just lender fees.
Before credits & paid funds$440,870The complete starting cash picture.
Estimated remaining funds due at closing
$440,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,893.97
Your down payment$426,893.97
Closing costs + prepaids$13,976.30
Total buyer cash needed$440,870.27
Remaining funds due$440,870.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,280.00
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)$753.50
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$197.80
Fees + prepaids$13,976.30
Your down payment is the seller’s equity. You take over the $201,106 balance, so the rest of the $628,000 price is paid at closing. A second mortgage can cover part of it. $440,870.27 is due at closing. Uses and sources reconcile at $641,976.30 each. Not a Closing Disclosure.