Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$540,255Cash toward the purchase price.
Closing costs + prepaids$15,354Not just lender fees.
Before credits & paid funds$555,608The complete starting cash picture.
Estimated remaining funds due at closing
$555,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$540,254.86
Your down payment$540,254.86
Closing costs + prepaids$15,353.58
Total buyer cash needed$555,608.44
Remaining funds due$555,608.44
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)$1,687.50
Prepaid interest, first (29 days)$441.08
Fees + prepaids$15,353.58
Your down payment is the seller’s equity. You take over the $134,745 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $555,608.44 is due at closing. Uses and sources reconcile at $690,353.58 each. Not a Closing Disclosure.