Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$252,895Cash toward the purchase price.
Closing costs + prepaids$14,762Not just lender fees.
Before credits & paid funds$267,657The complete starting cash picture.
Estimated remaining funds due at closing
$267,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,895.01
Your down payment$252,895.01
Closing costs + prepaids$14,762.17
Total buyer cash needed$267,657.17
Remaining funds due$267,657.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,404.00
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)$1,633.00
Prepaid interest, first (4 days)$250.17
Fees + prepaids$14,762.17
Your down payment is the seller’s equity. You take over the $387,505 balance, so the rest of the $640,400 price is paid at closing. A second mortgage can cover part of it. $267,657.17 is due at closing. Uses and sources reconcile at $655,162.17 each. Not a Closing Disclosure.