Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$642,781Cash toward the purchase price.
Closing costs + prepaids$13,926Not just lender fees.
Before credits & paid funds$656,707The complete starting cash picture.
Estimated remaining funds due at closing
$656,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$642,780.95
Your down payment$642,780.95
Closing costs + prepaids$13,926.02
Total buyer cash needed$656,706.97
Remaining funds due$656,706.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,497.00
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)$942.50
Prepaid interest, first (18 days)$11.52
Fees + prepaids$13,926.02
Your down payment is the seller’s equity. You take over the $6,919 balance, so the rest of the $649,700 price is paid at closing. A second mortgage can cover part of it. $656,706.97 is due at closing. Uses and sources reconcile at $663,626.02 each. Not a Closing Disclosure.