Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$617,690Cash toward the purchase price.
Closing costs + prepaids$14,613Not just lender fees.
Before credits & paid funds$632,303The complete starting cash picture.
Estimated remaining funds due at closing
$632,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$617,689.77
Your down payment$617,689.77
Closing costs + prepaids$14,612.91
Total buyer cash needed$632,302.67
Remaining funds due$632,302.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,500.00
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)$1,625.00
Prepaid interest, first (2 days)$12.91
Fees + prepaids$14,612.91
Your down payment is the seller’s equity. You take over the $32,310 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $632,302.67 is due at closing. Uses and sources reconcile at $664,612.91 each. Not a Closing Disclosure.