Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$671,751Cash toward the purchase price.
Closing costs + prepaids$20,762Not just lender fees.
Before credits & paid funds$692,513The complete starting cash picture.
Estimated remaining funds due at closing
$692,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$671,750.87
Your down payment$671,750.87
Closing costs + prepaids$20,761.87
Total buyer cash needed$692,512.74
Remaining funds due$692,512.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,980.00
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)$2,495.00
Prepaid interest, first (18 days)$1,061.87
Fees + prepaids$20,761.87
Your down payment is the seller’s equity. You take over the $326,249 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $692,512.74 is due at closing. Uses and sources reconcile at $1,018,761.87 each. Not a Closing Disclosure.