Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$460,846Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$474,536The complete starting cash picture.
Estimated remaining funds due at closing
$474,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$460,846.39
Your down payment$460,846.39
Closing costs + prepaids$13,689.96
Total buyer cash needed$474,536.35
Remaining funds due$474,536.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$517.00
Initial HOA (3 months)$258.99
Prepaid interest, first (2 days)$38.97
Fees + prepaids$13,689.96
Your down payment is the seller’s equity. You take over the $179,154 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $474,536.35 is due at closing. Uses and sources reconcile at $653,689.96 each. Not a Closing Disclosure.