Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$633,542Cash toward the purchase price.
Closing costs + prepaids$13,850Not just lender fees.
Before credits & paid funds$647,392The complete starting cash picture.
Estimated remaining funds due at closing
$647,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$633,542.15
Your down payment$633,542.15
Closing costs + prepaids$13,850.27
Total buyer cash needed$647,392.42
Remaining funds due$647,392.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$722.25
Prepaid interest, first (26 days)$103.02
Fees + prepaids$13,850.27
Your down payment is the seller’s equity. You take over the $21,458 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $647,392.42 is due at closing. Uses and sources reconcile at $668,850.27 each. Not a Closing Disclosure.