Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$542,257Cash toward the purchase price.
Closing costs + prepaids$15,218Not just lender fees.
Before credits & paid funds$557,475The complete starting cash picture.
Estimated remaining funds due at closing
$557,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,256.87
Your down payment$542,256.87
Closing costs + prepaids$15,217.66
Total buyer cash needed$557,474.53
Remaining funds due$557,474.53
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)$380.16
Fees + prepaids$15,217.66
Your down payment is the seller’s equity. You take over the $126,743 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $557,474.53 is due at closing. Uses and sources reconcile at $684,217.66 each. Not a Closing Disclosure.