Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$631,574Cash toward the purchase price.
Closing costs + prepaids$16,392Not just lender fees.
Before credits & paid funds$647,967The complete starting cash picture.
Estimated remaining funds due at closing
$647,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$631,574.27
Your down payment$631,574.27
Closing costs + prepaids$16,392.29
Total buyer cash needed$647,966.55
Remaining funds due$647,966.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Initial HOA (3 months)$1,758.00
Prepaid interest, first (28 days)$46.79
Fees + prepaids$16,392.29
Your down payment is the seller’s equity. You take over the $17,426 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $647,966.55 is due at closing. Uses and sources reconcile at $665,392.29 each. Not a Closing Disclosure.