Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$333,961Cash toward the purchase price.
Closing costs + prepaids$15,933Not just lender fees.
Before credits & paid funds$349,894The complete starting cash picture.
Estimated remaining funds due at closing
$349,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,960.95
Your down payment$333,960.95
Closing costs + prepaids$15,932.81
Total buyer cash needed$349,893.76
Remaining funds due$349,893.76
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 (28 days)$1,020.31
Fees + prepaids$15,932.81
Your down payment is the seller’s equity. You take over the $341,039 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $349,893.76 is due at closing. Uses and sources reconcile at $690,932.81 each. Not a Closing Disclosure.