Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$612,827Cash toward the purchase price.
Closing costs + prepaids$17,878Not just lender fees.
Before credits & paid funds$630,705The complete starting cash picture.
Estimated remaining funds due at closing
$630,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$612,827.16
Your down payment$612,827.16
Closing costs + prepaids$17,877.95
Total buyer cash needed$630,705.12
Remaining funds due$630,705.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (28 days)$902.95
Fees + prepaids$17,877.95
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $630,705.12 is due at closing. Uses and sources reconcile at $992,877.95 each. Not a Closing Disclosure.