Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,272Cash toward the purchase price.
Closing costs + prepaids$17,383Not just lender fees.
Before credits & paid funds$191,654The complete starting cash picture.
Estimated remaining funds due at closing
$191,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,271.63
Your down payment$174,271.63
Closing costs + prepaids$17,382.77
Total buyer cash needed$191,654.39
Remaining funds due$191,654.39
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
Prepaid interest, first (26 days)$2,295.27
Fees + prepaids$17,382.77
Your down payment is the seller’s equity. You take over the $514,728 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $191,654.39 is due at closing. Uses and sources reconcile at $706,382.77 each. Not a Closing Disclosure.