Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$149,474Cash toward the purchase price.
Closing costs + prepaids$17,093Not just lender fees.
Before credits & paid funds$166,567The complete starting cash picture.
Estimated remaining funds due at closing
$166,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,473.99
Your down payment$149,473.99
Closing costs + prepaids$17,093.10
Total buyer cash needed$166,567.09
Remaining funds due$166,567.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$1,672.50
Prepaid interest, first (23 days)$2,255.60
Fees + prepaids$17,093.10
Your down payment is the seller’s equity. You take over the $519,526 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $166,567.09 is due at closing. Uses and sources reconcile at $686,093.10 each. Not a Closing Disclosure.