Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$532,482Cash toward the purchase price.
Closing costs + prepaids$14,708Not just lender fees.
Before credits & paid funds$547,190The complete starting cash picture.
Estimated remaining funds due at closing
$547,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$532,481.57
Your down payment$532,481.57
Closing costs + prepaids$14,708.16
Total buyer cash needed$547,189.73
Remaining funds due$547,189.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,430.00
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)$1,607.50
Prepaid interest, first (18 days)$195.66
Fees + prepaids$14,708.16
Your down payment is the seller’s equity. You take over the $110,518 balance, so the rest of the $643,000 price is paid at closing. A second mortgage can cover part of it. $547,189.73 is due at closing. Uses and sources reconcile at $657,708.16 each. Not a Closing Disclosure.