Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$639,526Cash toward the purchase price.
Closing costs + prepaids$18,975Not just lender fees.
Before credits & paid funds$658,501The complete starting cash picture.
Estimated remaining funds due at closing
$658,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$639,526.18
Your down payment$639,526.18
Closing costs + prepaids$18,974.95
Total buyer cash needed$658,501.13
Remaining funds due$658,501.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
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)$2,125.00
Initial HOA (3 months)$576.00
Prepaid interest, first (28 days)$548.96
Fees + prepaids$18,974.95
Your down payment is the seller’s equity. You take over the $210,473 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $658,501.13 is due at closing. Uses and sources reconcile at $868,973.95 each. Not a Closing Disclosure.