Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,468Cash toward the purchase price.
Closing costs + prepaids$17,151Not just lender fees.
Before credits & paid funds$155,619The complete starting cash picture.
Estimated remaining funds due at closing
$155,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,468.44
Your down payment$138,468.44
Closing costs + prepaids$17,150.62
Total buyer cash needed$155,619.06
Remaining funds due$155,619.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$1,700.00
Prepaid interest, first (24 days)$2,175.62
Fees + prepaids$17,150.62
Your down payment is the seller’s equity. You take over the $541,532 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $155,619.06 is due at closing. Uses and sources reconcile at $697,150.62 each. Not a Closing Disclosure.