Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$386,250Cash toward the purchase price.
Closing costs + prepaids$15,849Not just lender fees.
Before credits & paid funds$402,098The complete starting cash picture.
Estimated remaining funds due at closing
$402,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,249.61
Your down payment$386,249.61
Closing costs + prepaids$15,848.64
Total buyer cash needed$402,098.25
Remaining funds due$402,098.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$1,725.00
Prepaid interest, first (26 days)$748.64
Fees + prepaids$15,848.64
Your down payment is the seller’s equity. You take over the $303,750 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $402,098.25 is due at closing. Uses and sources reconcile at $705,848.64 each. Not a Closing Disclosure.