Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$378,223Cash toward the purchase price.
Closing costs + prepaids$13,854Not just lender fees.
Before credits & paid funds$392,077The complete starting cash picture.
Estimated remaining funds due at closing
$392,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,223.15
Your down payment$378,223.15
Closing costs + prepaids$13,854.20
Total buyer cash needed$392,077.35
Remaining funds due$392,077.35
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)$506.00
Initial HOA (3 months)$198.00
Prepaid interest, first (19 days)$425.20
Fees + prepaids$13,854.20
Your down payment is the seller’s equity. You take over the $246,777 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $392,077.35 is due at closing. Uses and sources reconcile at $638,854.20 each. Not a Closing Disclosure.