Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$603,665Cash toward the purchase price.
Closing costs + prepaids$16,974Not just lender fees.
Before credits & paid funds$620,639The complete starting cash picture.
Estimated remaining funds due at closing
$620,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$603,665.07
Your down payment$603,665.07
Closing costs + prepaids$16,973.91
Total buyer cash needed$620,638.98
Remaining funds due$620,638.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
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)$1,020.00
Prepaid interest, first (12 days)$229.91
Fees + prepaids$16,973.91
Your down payment is the seller’s equity. You take over the $246,235 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $620,638.98 is due at closing. Uses and sources reconcile at $866,873.91 each. Not a Closing Disclosure.