Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$654,322Cash toward the purchase price.
Closing costs + prepaids$16,431Not just lender fees.
Before credits & paid funds$670,753The complete starting cash picture.
Estimated remaining funds due at closing
$670,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$654,321.85
Your down payment$654,321.85
Closing costs + prepaids$16,431.45
Total buyer cash needed$670,753.29
Remaining funds due$670,753.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$978.00
Prepaid interest, first (6 days)$78.45
Fees + prepaids$16,431.45
Your down payment is the seller’s equity. You take over the $160,678 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $670,753.29 is due at closing. Uses and sources reconcile at $831,431.45 each. Not a Closing Disclosure.