Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$635,277Cash toward the purchase price.
Closing costs + prepaids$20,445Not just lender fees.
Before credits & paid funds$655,722The complete starting cash picture.
Estimated remaining funds due at closing
$655,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$635,276.97
Your down payment$635,276.97
Closing costs + prepaids$20,444.53
Total buyer cash needed$655,721.51
Remaining funds due$655,721.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,500.00
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)$2,625.00
Prepaid interest, first (2 days)$94.53
Fees + prepaids$20,444.53
Your down payment is the seller’s equity. You take over the $414,723 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $655,721.51 is due at closing. Uses and sources reconcile at $1,070,444.53 each. Not a Closing Disclosure.