Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$253,976Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$268,987The complete starting cash picture.
Estimated remaining funds due at closing
$268,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,975.72
Your down payment$253,975.72
Closing costs + prepaids$15,011.37
Total buyer cash needed$268,987.09
Remaining funds due$268,987.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$467.25
Prepaid interest, first (26 days)$1,369.12
Fees + prepaids$15,011.37
Your down payment is the seller’s equity. You take over the $416,024 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $268,987.09 is due at closing. Uses and sources reconcile at $685,011.37 each. Not a Closing Disclosure.