Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$334,806Cash toward the purchase price.
Closing costs + prepaids$16,732Not just lender fees.
Before credits & paid funds$351,538The complete starting cash picture.
Estimated remaining funds due at closing
$351,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,806.43
Your down payment$334,806.43
Closing costs + prepaids$16,731.70
Total buyer cash needed$351,538.13
Remaining funds due$351,538.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,790.00
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)$1,441.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (24 days)$1,020.70
Fees + prepaids$16,731.70
Your down payment is the seller’s equity. You take over the $344,194 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $351,538.13 is due at closing. Uses and sources reconcile at $695,731.70 each. Not a Closing Disclosure.