Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$652,133Cash toward the purchase price.
Closing costs + prepaids$17,827Not just lender fees.
Before credits & paid funds$669,960The complete starting cash picture.
Estimated remaining funds due at closing
$669,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$652,133.33
Your down payment$652,133.33
Closing costs + prepaids$17,826.82
Total buyer cash needed$669,960.16
Remaining funds due$669,960.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,999.99
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)$566.00
Prepaid interest, first (1 days)$35.83
Fees + prepaids$17,826.82
Your down payment is the seller’s equity. You take over the $347,866 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $669,960.16 is due at closing. Uses and sources reconcile at $1,017,825.82 each. Not a Closing Disclosure.