Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$641,446Cash toward the purchase price.
Closing costs + prepaids$16,535Not just lender fees.
Before credits & paid funds$657,981The complete starting cash picture.
Estimated remaining funds due at closing
$657,981No 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$16,535.37
Total buyer cash needed$657,981.03
Remaining funds due$657,981.03
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 (6 days)$81.62
Fees + prepaids$16,535.37
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. $657,981.03 is due at closing. Uses and sources reconcile at $840,535.37 each. Not a Closing Disclosure.