Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,974Cash toward the purchase price.
Closing costs + prepaids$19,343Not just lender fees.
Before credits & paid funds$45,317The complete starting cash picture.
Estimated remaining funds due at closing
$45,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,973.55
Your down payment$25,973.55
Closing costs + prepaids$19,343.17
Total buyer cash needed$45,316.72
Remaining funds due$45,316.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,695.00
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)$1,673.75
Initial HOA (3 months)$1,182.00
Prepaid interest, first (28 days)$3,317.42
Fees + prepaids$19,343.17
Your down payment is the seller’s equity. You take over the $643,526 balance, so the rest of the $669,500 price is paid at closing. A second mortgage can cover part of it. $45,316.72 is due at closing. Uses and sources reconcile at $688,843.17 each. Not a Closing Disclosure.