Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$651,624Cash toward the purchase price.
Closing costs + prepaids$17,114Not just lender fees.
Before credits & paid funds$668,738The complete starting cash picture.
Estimated remaining funds due at closing
$668,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$651,623.79
Your down payment$651,623.79
Closing costs + prepaids$17,114.35
Total buyer cash needed$668,738.15
Remaining funds due$668,738.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
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)$848.00
Prepaid interest, first (26 days)$542.35
Fees + prepaids$17,114.35
Your down payment is the seller’s equity. You take over the $198,276 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $668,738.15 is due at closing. Uses and sources reconcile at $867,014.35 each. Not a Closing Disclosure.