Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$639,059Cash toward the purchase price.
Closing costs + prepaids$16,397Not just lender fees.
Before credits & paid funds$655,457The complete starting cash picture.
Estimated remaining funds due at closing
$655,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$639,059.35
Your down payment$639,059.35
Closing costs + prepaids$16,397.37
Total buyer cash needed$655,456.72
Remaining funds due$655,456.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Initial HOA (3 months)$1,770.00
Prepaid interest, first (24 days)$39.87
Fees + prepaids$16,397.37
Your down payment is the seller’s equity. You take over the $9,941 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $655,456.72 is due at closing. Uses and sources reconcile at $665,397.37 each. Not a Closing Disclosure.