Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$643,590Cash toward the purchase price.
Closing costs + prepaids$17,452Not just lender fees.
Before credits & paid funds$661,041The complete starting cash picture.
Estimated remaining funds due at closing
$661,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$643,589.54
Your down payment$643,589.54
Closing costs + prepaids$17,451.67
Total buyer cash needed$661,041.21
Remaining funds due$661,041.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,650.00
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)$382.75
Prepaid interest, first (26 days)$1,193.92
Fees + prepaids$17,451.67
Your down payment is the seller’s equity. You take over the $221,410 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $661,041.21 is due at closing. Uses and sources reconcile at $882,451.67 each. Not a Closing Disclosure.