Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$429,875Cash toward the purchase price.
Closing costs + prepaids$13,851Not just lender fees.
Before credits & paid funds$443,727The complete starting cash picture.
Estimated remaining funds due at closing
$443,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,875.43
Your down payment$429,875.43
Closing costs + prepaids$13,851.16
Total buyer cash needed$443,726.60
Remaining funds due$443,726.60
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)$750.00
Initial HOA (3 months)$165.00
Prepaid interest, first (10 days)$211.16
Fees + prepaids$13,851.16
Your down payment is the seller’s equity. You take over the $195,125 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $443,726.60 is due at closing. Uses and sources reconcile at $638,851.16 each. Not a Closing Disclosure.