Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$240,992Cash toward the purchase price.
Closing costs + prepaids$13,837Not just lender fees.
Before credits & paid funds$254,830The complete starting cash picture.
Estimated remaining funds due at closing
$254,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,992.43
Your down payment$240,992.43
Closing costs + prepaids$13,837.21
Total buyer cash needed$254,829.64
Remaining funds due$254,829.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$738.00
Initial HOA (3 months)$200.01
Prepaid interest, first (6 days)$274.20
Fees + prepaids$13,837.21
Your down payment is the seller’s equity. You take over the $374,008 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $254,829.64 is due at closing. Uses and sources reconcile at $628,837.21 each. Not a Closing Disclosure.