Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$642,533Cash toward the purchase price.
Closing costs + prepaids$13,332Not just lender fees.
Before credits & paid funds$655,865The complete starting cash picture.
Estimated remaining funds due at closing
$655,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$642,533.41
Your down payment$642,533.41
Closing costs + prepaids$13,331.68
Total buyer cash needed$655,865.09
Remaining funds due$655,865.09
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)$328.00
Prepaid interest, first (18 days)$28.68
Fees + prepaids$13,331.68
Your down payment is the seller’s equity. You take over the $7,467 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $655,865.09 is due at closing. Uses and sources reconcile at $663,331.68 each. Not a Closing Disclosure.