Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$630,671Cash toward the purchase price.
Closing costs + prepaids$21,603Not just lender fees.
Before credits & paid funds$652,274The complete starting cash picture.
Estimated remaining funds due at closing
$652,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$630,670.99
Your down payment$630,670.99
Closing costs + prepaids$21,603.36
Total buyer cash needed$652,274.35
Remaining funds due$652,274.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,450.00
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)$2,612.50
Prepaid interest, first (28 days)$1,315.86
Fees + prepaids$21,603.36
Your down payment is the seller’s equity. You take over the $414,329 balance, so the rest of the $1,045,000 price is paid at closing. A second mortgage can cover part of it. $652,274.35 is due at closing. Uses and sources reconcile at $1,066,603.36 each. Not a Closing Disclosure.