Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$649,042Cash toward the purchase price.
Closing costs + prepaids$20,053Not just lender fees.
Before credits & paid funds$669,095The complete starting cash picture.
Estimated remaining funds due at closing
$669,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$649,041.81
Your down payment$649,041.81
Closing costs + prepaids$20,053.05
Total buyer cash needed$669,094.86
Remaining funds due$669,094.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,950.00
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)$1,256.50
Prepaid interest, first (28 days)$1,621.55
Fees + prepaids$20,053.05
Your down payment is the seller’s equity. You take over the $345,958 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $669,094.86 is due at closing. Uses and sources reconcile at $1,015,053.05 each. Not a Closing Disclosure.