Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$432,023Cash toward the purchase price.
Closing costs + prepaids$13,925Not just lender fees.
Before credits & paid funds$445,948The complete starting cash picture.
Estimated remaining funds due at closing
$445,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,022.70
Your down payment$432,022.70
Closing costs + prepaids$13,925.16
Total buyer cash needed$445,947.86
Remaining funds due$445,947.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,240.00
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)$748.75
Initial HOA (3 months)$210.00
Prepaid interest, first (10 days)$251.41
Fees + prepaids$13,925.16
Your down payment is the seller’s equity. You take over the $191,977 balance, so the rest of the $624,000 price is paid at closing. A second mortgage can cover part of it. $445,947.86 is due at closing. Uses and sources reconcile at $637,925.16 each. Not a Closing Disclosure.