Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$682,066Cash toward the purchase price.
Closing costs + prepaids$23,516Not just lender fees.
Before credits & paid funds$705,582The complete starting cash picture.
Estimated remaining funds due at closing
$705,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$682,065.70
Your down payment$682,065.70
Closing costs + prepaids$23,516.40
Total buyer cash needed$705,582.10
Remaining funds due$705,582.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,490.00
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)$2,872.50
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$1,568.90
Fees + prepaids$23,516.40
Your down payment is the seller’s equity. You take over the $466,934 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $705,582.10 is due at closing. Uses and sources reconcile at $1,172,516.40 each. Not a Closing Disclosure.