Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$254,331Cash toward the purchase price.
Closing costs + prepaids$14,018Not just lender fees.
Before credits & paid funds$268,349The complete starting cash picture.
Estimated remaining funds due at closing
$268,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,331.25
Your down payment$254,331.25
Closing costs + prepaids$14,017.61
Total buyer cash needed$268,348.86
Remaining funds due$268,348.86
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)$766.75
Initial HOA (3 months)$150.00
Prepaid interest, first (6 days)$235.86
Fees + prepaids$14,017.61
Your down payment is the seller’s equity. You take over the $384,669 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $268,348.86 is due at closing. Uses and sources reconcile at $653,017.61 each. Not a Closing Disclosure.