Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$626,051Cash toward the purchase price.
Closing costs + prepaids$21,660Not just lender fees.
Before credits & paid funds$647,711The complete starting cash picture.
Estimated remaining funds due at closing
$647,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,051.12
Your down payment$626,051.12
Closing costs + prepaids$21,659.72
Total buyer cash needed$647,710.84
Remaining funds due$647,710.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,390.00
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)$1,366.75
Initial HOA (3 months)$570.00
Prepaid interest, first (12 days)$1,107.97
Fees + prepaids$21,659.72
Your down payment is the seller’s equity. You take over the $512,949 balance, so the rest of the $1,139,000 price is paid at closing. A second mortgage can cover part of it. $647,710.84 is due at closing. Uses and sources reconcile at $1,160,659.72 each. Not a Closing Disclosure.