Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$626,051Cash toward the purchase price.
Closing costs + prepaids$23,615Not just lender fees.
Before credits & paid funds$649,666The complete starting cash picture.
Estimated remaining funds due at closing
$649,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,051.12
Your down payment$626,051.12
Closing costs + prepaids$23,614.68
Total buyer cash needed$649,665.80
Remaining funds due$649,665.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,390.00
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)$1,936.75
Initial HOA (3 months)$570.00
Prepaid interest, first (27 days)$2,492.93
Fees + prepaids$23,614.68
Your down payment is the seller’s equity. You take over the $512,949 balance, so the rest of the $1,139,000 price is paid at closing. A second mortgage can cover part of it. $649,665.80 is due at closing. Uses and sources reconcile at $1,162,614.68 each. Not a Closing Disclosure.