Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$232,315Cash toward the purchase price.
Closing costs + prepaids$13,305Not just lender fees.
Before credits & paid funds$245,620The complete starting cash picture.
Estimated remaining funds due at closing
$245,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,315.27
Your down payment$232,315.27
Closing costs + prepaids$13,304.88
Total buyer cash needed$245,620.16
Remaining funds due$245,620.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$291.25
Prepaid interest, first (2 days)$148.63
Fees + prepaids$13,304.88
Your down payment is the seller’s equity. You take over the $406,685 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $245,620.16 is due at closing. Uses and sources reconcile at $652,304.88 each. Not a Closing Disclosure.