Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$524,256Cash toward the purchase price.
Closing costs + prepaids$14,003Not just lender fees.
Before credits & paid funds$538,259The complete starting cash picture.
Estimated remaining funds due at closing
$538,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,255.70
Your down payment$524,255.70
Closing costs + prepaids$14,003.37
Total buyer cash needed$538,259.07
Remaining funds due$538,259.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$774.00
Initial HOA (3 months)$174.00
Prepaid interest, first (7 days)$130.37
Fees + prepaids$14,003.37
Your down payment is the seller’s equity. You take over the $120,744 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $538,259.07 is due at closing. Uses and sources reconcile at $659,003.37 each. Not a Closing Disclosure.