Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$140,854Cash toward the purchase price.
Closing costs + prepaids$16,392Not just lender fees.
Before credits & paid funds$157,246The complete starting cash picture.
Estimated remaining funds due at closing
$157,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,854.09
Your down payment$140,854.09
Closing costs + prepaids$16,391.94
Total buyer cash needed$157,246.02
Remaining funds due$157,246.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,003.50
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$978.44
Fees + prepaids$16,391.94
Your down payment is the seller’s equity. You take over the $539,146 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $157,246.02 is due at closing. Uses and sources reconcile at $696,391.94 each. Not a Closing Disclosure.