Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$628,330Cash toward the purchase price.
Closing costs + prepaids$24,286Not just lender fees.
Before credits & paid funds$652,616The complete starting cash picture.
Estimated remaining funds due at closing
$652,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$628,330.10
Your down payment$628,330.10
Closing costs + prepaids$24,286.08
Total buyer cash needed$652,616.19
Remaining funds due$652,616.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,490.00
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)$2,872.50
Initial HOA (3 months)$1,041.00
Prepaid interest, first (28 days)$1,657.58
Fees + prepaids$24,286.08
Your down payment is the seller’s equity. You take over the $520,670 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $652,616.19 is due at closing. Uses and sources reconcile at $1,173,286.08 each. Not a Closing Disclosure.