Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$638,542Cash toward the purchase price.
Closing costs + prepaids$18,067Not just lender fees.
Before credits & paid funds$656,609The complete starting cash picture.
Estimated remaining funds due at closing
$656,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$638,542.05
Your down payment$638,542.05
Closing costs + prepaids$18,066.50
Total buyer cash needed$656,608.55
Remaining funds due$656,608.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
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)$1,224.50
Initial HOA (3 months)$435.00
Prepaid interest, first (23 days)$792.00
Fees + prepaids$18,066.50
Your down payment is the seller’s equity. You take over the $200,458 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $656,608.55 is due at closing. Uses and sources reconcile at $857,066.50 each. Not a Closing Disclosure.