Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$647,567Cash toward the purchase price.
Closing costs + prepaids$19,277Not just lender fees.
Before credits & paid funds$666,843The complete starting cash picture.
Estimated remaining funds due at closing
$666,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$647,566.69
Your down payment$647,566.69
Closing costs + prepaids$19,276.72
Total buyer cash needed$666,843.41
Remaining funds due$666,843.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,199.99
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)$2,300.00
Prepaid interest, first (22 days)$551.73
Fees + prepaids$19,276.72
Your down payment is the seller’s equity. You take over the $272,432 balance, so the rest of the $919,999 price is paid at closing. A second mortgage can cover part of it. $666,843.41 is due at closing. Uses and sources reconcile at $939,275.72 each. Not a Closing Disclosure.