Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$229,514Cash toward the purchase price.
Closing costs + prepaids$14,724Not just lender fees.
Before credits & paid funds$244,238The complete starting cash picture.
Estimated remaining funds due at closing
$244,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,513.94
Your down payment$229,513.94
Closing costs + prepaids$14,723.79
Total buyer cash needed$244,237.73
Remaining funds due$244,237.73
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)$798.75
Initial HOA (3 months)$465.00
Prepaid interest, first (17 days)$595.04
Fees + prepaids$14,723.79
Your down payment is the seller’s equity. You take over the $409,486 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $244,237.73 is due at closing. Uses and sources reconcile at $653,723.79 each. Not a Closing Disclosure.