Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,980Cash toward the purchase price.
Closing costs + prepaids$20,256Not just lender fees.
Before credits & paid funds$170,236The complete starting cash picture.
Estimated remaining funds due at closing
$170,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,979.73
Your down payment$149,979.73
Closing costs + prepaids$20,256.23
Total buyer cash needed$170,235.96
Remaining funds due$170,235.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,890.00
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)$1,722.50
Initial HOA (3 months)$2,577.00
Prepaid interest, first (27 days)$2,591.73
Fees + prepaids$20,256.23
Your down payment is the seller’s equity. You take over the $539,020 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $170,235.96 is due at closing. Uses and sources reconcile at $709,256.23 each. Not a Closing Disclosure.