Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$611,188Cash toward the purchase price.
Closing costs + prepaids$14,315Not just lender fees.
Before credits & paid funds$625,503The complete starting cash picture.
Estimated remaining funds due at closing
$625,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$611,188.14
Your down payment$611,188.14
Closing costs + prepaids$14,314.73
Total buyer cash needed$625,502.87
Remaining funds due$625,502.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.99
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)$1,562.50
Prepaid interest, first (25 days)$27.24
Fees + prepaids$14,314.73
Your down payment is the seller’s equity. You take over the $13,811 balance, so the rest of the $624,999 price is paid at closing. A second mortgage can cover part of it. $625,502.87 is due at closing. Uses and sources reconcile at $639,313.73 each. Not a Closing Disclosure.