Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$641,446Cash toward the purchase price.
Closing costs + prepaids$16,617Not just lender fees.
Before credits & paid funds$658,063The complete starting cash picture.
Estimated remaining funds due at closing
$658,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$641,445.66
Your down payment$641,445.66
Closing costs + prepaids$16,617.00
Total buyer cash needed$658,062.66
Remaining funds due$658,062.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,240.00
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)$988.75
Prepaid interest, first (12 days)$163.25
Fees + prepaids$16,617.00
Your down payment is the seller’s equity. You take over the $182,554 balance, so the rest of the $824,000 price is paid at closing. A second mortgage can cover part of it. $658,062.66 is due at closing. Uses and sources reconcile at $840,617.00 each. Not a Closing Disclosure.