Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$658,303Cash toward the purchase price.
Closing costs + prepaids$22,994Not just lender fees.
Before credits & paid funds$681,297The complete starting cash picture.
Estimated remaining funds due at closing
$681,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$658,302.77
Your down payment$658,302.77
Closing costs + prepaids$22,994.33
Total buyer cash needed$681,297.10
Remaining funds due$681,297.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,490.00
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)$2,622.50
Initial HOA (3 months)$987.00
Prepaid interest, first (24 days)$1,669.83
Fees + prepaids$22,994.33
Your down payment is the seller’s equity. You take over the $390,697 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $681,297.10 is due at closing. Uses and sources reconcile at $1,071,994.33 each. Not a Closing Disclosure.