Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$633,591Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$647,433The complete starting cash picture.
Estimated remaining funds due at closing
$647,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$633,591.25
Your down payment$633,591.25
Closing costs + prepaids$13,841.30
Total buyer cash needed$647,432.56
Remaining funds due$647,432.56
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)$812.50
Prepaid interest, first (17 days)$53.80
Fees + prepaids$13,841.30
Your down payment is the seller’s equity. You take over the $16,409 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $647,432.56 is due at closing. Uses and sources reconcile at $663,841.30 each. Not a Closing Disclosure.