Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$654,659Cash toward the purchase price.
Closing costs + prepaids$15,731Not just lender fees.
Before credits & paid funds$670,390The complete starting cash picture.
Estimated remaining funds due at closing
$670,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$654,659.13
Your down payment$654,659.13
Closing costs + prepaids$15,730.96
Total buyer cash needed$670,390.09
Remaining funds due$670,390.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,900.00
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)$209.50
Prepaid interest, first (27 days)$396.46
Fees + prepaids$15,730.96
Your down payment is the seller’s equity. You take over the $135,341 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $670,390.09 is due at closing. Uses and sources reconcile at $805,730.96 each. Not a Closing Disclosure.