Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$454,789Cash toward the purchase price.
Closing costs + prepaids$15,001Not just lender fees.
Before credits & paid funds$469,790The complete starting cash picture.
Estimated remaining funds due at closing
$469,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,788.95
Your down payment$454,788.95
Closing costs + prepaids$15,001.36
Total buyer cash needed$469,790.31
Remaining funds due$469,790.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$1,072.75
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$691.10
Fees + prepaids$15,001.36
Your down payment is the seller’s equity. You take over the $220,211 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $469,790.31 is due at closing. Uses and sources reconcile at $690,001.36 each. Not a Closing Disclosure.