Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$626,821Cash toward the purchase price.
Closing costs + prepaids$20,787Not just lender fees.
Before credits & paid funds$647,608The complete starting cash picture.
Estimated remaining funds due at closing
$647,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,820.87
Your down payment$626,820.87
Closing costs + prepaids$20,787.01
Total buyer cash needed$647,607.89
Remaining funds due$647,607.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.95
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)$2,500.00
Prepaid interest, first (28 days)$1,062.06
Fees + prepaids$20,787.01
Your down payment is the seller’s equity. You take over the $373,174 balance, so the rest of the $999,995 price is paid at closing. A second mortgage can cover part of it. $647,607.89 is due at closing. Uses and sources reconcile at $1,020,782.01 each. Not a Closing Disclosure.