Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$520,600Cash toward the purchase price.
Closing costs + prepaids$13,975Not just lender fees.
Before credits & paid funds$534,575The complete starting cash picture.
Estimated remaining funds due at closing
$534,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,599.76
Your down payment$520,599.76
Closing costs + prepaids$13,974.78
Total buyer cash needed$534,574.54
Remaining funds due$534,574.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,445.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$686.75
Prepaid interest, first (26 days)$368.03
Fees + prepaids$13,974.78
Your down payment is the seller’s equity. You take over the $123,900 balance, so the rest of the $644,500 price is paid at closing. A second mortgage can cover part of it. $534,574.54 is due at closing. Uses and sources reconcile at $658,474.78 each. Not a Closing Disclosure.