Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$375,349Cash toward the purchase price.
Closing costs + prepaids$13,845Not just lender fees.
Before credits & paid funds$389,193The complete starting cash picture.
Estimated remaining funds due at closing
$389,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,348.82
Your down payment$375,348.82
Closing costs + prepaids$13,844.51
Total buyer cash needed$389,193.33
Remaining funds due$389,193.33
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)$204.51
Fees + prepaids$13,844.51
Your down payment is the seller’s equity. You take over the $249,651 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $389,193.33 is due at closing. Uses and sources reconcile at $638,844.51 each. Not a Closing Disclosure.