Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$245,365Cash toward the purchase price.
Closing costs + prepaids$13,387Not just lender fees.
Before credits & paid funds$258,752The complete starting cash picture.
Estimated remaining funds due at closing
$258,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,365.37
Your down payment$245,365.37
Closing costs + prepaids$13,386.99
Total buyer cash needed$258,752.36
Remaining funds due$258,752.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,395.00
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)$444.75
Prepaid interest, first (1 days)$72.24
Fees + prepaids$13,386.99
Your down payment is the seller’s equity. You take over the $394,135 balance, so the rest of the $639,500 price is paid at closing. A second mortgage can cover part of it. $258,752.36 is due at closing. Uses and sources reconcile at $652,886.99 each. Not a Closing Disclosure.