Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$634,873Cash toward the purchase price.
Closing costs + prepaids$22,378Not just lender fees.
Before credits & paid funds$657,251The complete starting cash picture.
Estimated remaining funds due at closing
$657,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$634,873.15
Your down payment$634,873.15
Closing costs + prepaids$22,378.27
Total buyer cash needed$657,251.42
Remaining funds due$657,251.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,998.00
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)$1,439.75
Prepaid interest, first (17 days)$1,715.52
Fees + prepaids$22,378.27
Your down payment is the seller’s equity. You take over the $564,927 balance, so the rest of the $1,199,800 price is paid at closing. A second mortgage can cover part of it. $657,251.42 is due at closing. Uses and sources reconcile at $1,222,178.27 each. Not a Closing Disclosure.