Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$425,554Cash toward the purchase price.
Closing costs + prepaids$13,806Not just lender fees.
Before credits & paid funds$439,361The complete starting cash picture.
Estimated remaining funds due at closing
$439,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,554.21
Your down payment$425,554.21
Closing costs + prepaids$13,806.29
Total buyer cash needed$439,360.51
Remaining funds due$439,360.51
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)$781.25
Prepaid interest, first (17 days)$300.04
Fees + prepaids$13,806.29
Your down payment is the seller’s equity. You take over the $199,446 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $439,360.51 is due at closing. Uses and sources reconcile at $638,806.29 each. Not a Closing Disclosure.