Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$531,050Cash toward the purchase price.
Closing costs + prepaids$15,789Not just lender fees.
Before credits & paid funds$546,839The complete starting cash picture.
Estimated remaining funds due at closing
$546,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$531,049.55
Your down payment$531,049.55
Closing costs + prepaids$15,789.45
Total buyer cash needed$546,839.00
Remaining funds due$546,839.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
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)$1,589.25
Prepaid interest, first (28 days)$826.20
Fees + prepaids$15,789.45
Your down payment is the seller’s equity. You take over the $158,850 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $546,839.00 is due at closing. Uses and sources reconcile at $705,689.45 each. Not a Closing Disclosure.