Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$641,435Cash toward the purchase price.
Closing costs + prepaids$33,233Not just lender fees.
Before credits & paid funds$674,668The complete starting cash picture.
Estimated remaining funds due at closing
$674,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$641,435.48
Your down payment$641,435.48
Closing costs + prepaids$33,232.56
Total buyer cash needed$674,668.05
Remaining funds due$674,668.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$16,595.00
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)$4,148.75
Prepaid interest, first (28 days)$5,263.81
Fees + prepaids$33,232.56
Your down payment is the seller’s equity. You take over the $1,018,065 balance, so the rest of the $1,659,500 price is paid at closing. A second mortgage can cover part of it. $674,668.05 is due at closing. Uses and sources reconcile at $1,692,732.56 each. Not a Closing Disclosure.