Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$627,430Cash toward the purchase price.
Closing costs + prepaids$22,977Not just lender fees.
Before credits & paid funds$650,406The complete starting cash picture.
Estimated remaining funds due at closing
$650,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$627,429.57
Your down payment$627,429.57
Closing costs + prepaids$22,976.73
Total buyer cash needed$650,406.30
Remaining funds due$650,406.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,690.00
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)$2,922.50
Prepaid interest, first (22 days)$1,139.23
Fees + prepaids$22,976.73
Your down payment is the seller’s equity. You take over the $541,570 balance, so the rest of the $1,169,000 price is paid at closing. A second mortgage can cover part of it. $650,406.30 is due at closing. Uses and sources reconcile at $1,191,976.73 each. Not a Closing Disclosure.