Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$679,317Cash toward the purchase price.
Closing costs + prepaids$19,566Not just lender fees.
Before credits & paid funds$698,883The complete starting cash picture.
Estimated remaining funds due at closing
$698,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$679,316.62
Your down payment$679,316.62
Closing costs + prepaids$19,566.17
Total buyer cash needed$698,882.79
Remaining funds due$698,882.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,190.00
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)$2,297.50
Prepaid interest, first (26 days)$853.67
Fees + prepaids$19,566.17
Your down payment is the seller’s equity. You take over the $239,683 balance, so the rest of the $919,000 price is paid at closing. A second mortgage can cover part of it. $698,882.79 is due at closing. Uses and sources reconcile at $938,566.17 each. Not a Closing Disclosure.