Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$611,636Cash toward the purchase price.
Closing costs + prepaids$19,145Not just lender fees.
Before credits & paid funds$630,781The complete starting cash picture.
Estimated remaining funds due at closing
$630,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$611,636.07
Your down payment$611,636.07
Closing costs + prepaids$19,144.56
Total buyer cash needed$630,780.63
Remaining funds due$630,780.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,590.00
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)$2,147.50
Prepaid interest, first (27 days)$1,182.06
Fees + prepaids$19,144.56
Your down payment is the seller’s equity. You take over the $247,364 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $630,780.63 is due at closing. Uses and sources reconcile at $878,144.56 each. Not a Closing Disclosure.