Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$605,547Cash toward the purchase price.
Closing costs + prepaids$13,607Not just lender fees.
Before credits & paid funds$619,153The complete starting cash picture.
Estimated remaining funds due at closing
$619,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$605,546.66
Your down payment$605,546.66
Closing costs + prepaids$13,606.65
Total buyer cash needed$619,153.31
Remaining funds due$619,153.31
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)$503.00
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$3.65
Fees + prepaids$13,606.65
Your down payment is the seller’s equity. You take over the $19,453 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $619,153.31 is due at closing. Uses and sources reconcile at $638,606.65 each. Not a Closing Disclosure.