Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$176,045Cash toward the purchase price.
Closing costs + prepaids$18,041Not just lender fees.
Before credits & paid funds$194,086The complete starting cash picture.
Estimated remaining funds due at closing
$194,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,045.07
Your down payment$176,045.07
Closing costs + prepaids$18,040.72
Total buyer cash needed$194,085.79
Remaining funds due$194,085.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,712.50
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$2,643.22
Fees + prepaids$18,040.72
Your down payment is the seller’s equity. You take over the $508,955 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $194,085.79 is due at closing. Uses and sources reconcile at $703,040.72 each. Not a Closing Disclosure.