Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$646,498Cash toward the purchase price.
Closing costs + prepaids$14,801Not just lender fees.
Before credits & paid funds$661,298The complete starting cash picture.
Estimated remaining funds due at closing
$661,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$646,497.69
Your down payment$646,497.69
Closing costs + prepaids$14,800.62
Total buyer cash needed$661,298.31
Remaining funds due$661,298.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,598.88
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)$1,649.75
Prepaid interest, first (31 days)$76.99
Fees + prepaids$14,800.62
Your down payment is the seller’s equity. You take over the $13,390 balance, so the rest of the $659,888 price is paid at closing. A second mortgage can cover part of it. $661,298.31 is due at closing. Uses and sources reconcile at $674,688.62 each. Not a Closing Disclosure.