Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$390,842Cash toward the purchase price.
Closing costs + prepaids$15,513Not just lender fees.
Before credits & paid funds$406,355The complete starting cash picture.
Estimated remaining funds due at closing
$406,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,842.43
Your down payment$390,842.43
Closing costs + prepaids$15,512.98
Total buyer cash needed$406,355.42
Remaining funds due$406,355.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.00
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)$1,674.75
Prepaid interest, first (24 days)$664.23
Fees + prepaids$15,512.98
Your down payment is the seller’s equity. You take over the $279,058 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $406,355.42 is due at closing. Uses and sources reconcile at $685,412.98 each. Not a Closing Disclosure.