Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$652,813Cash toward the purchase price.
Closing costs + prepaids$18,721Not just lender fees.
Before credits & paid funds$671,533The complete starting cash picture.
Estimated remaining funds due at closing
$671,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$652,812.59
Your down payment$652,812.59
Closing costs + prepaids$18,720.88
Total buyer cash needed$671,533.47
Remaining funds due$671,533.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$566.00
Prepaid interest, first (26 days)$929.89
Fees + prepaids$18,720.88
Your down payment is the seller’s equity. You take over the $347,186 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $671,533.47 is due at closing. Uses and sources reconcile at $1,018,719.88 each. Not a Closing Disclosure.