Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$602,223Cash toward the purchase price.
Closing costs + prepaids$16,495Not just lender fees.
Before credits & paid funds$618,718The complete starting cash picture.
Estimated remaining funds due at closing
$618,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$602,222.68
Your down payment$602,222.68
Closing costs + prepaids$16,494.90
Total buyer cash needed$618,717.59
Remaining funds due$618,717.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,649.00
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)$1,034.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$511.65
Fees + prepaids$16,494.90
Your down payment is the seller’s equity. You take over the $162,677 balance, so the rest of the $764,900 price is paid at closing. A second mortgage can cover part of it. $618,717.59 is due at closing. Uses and sources reconcile at $781,394.90 each. Not a Closing Disclosure.