Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$379,750Cash toward the purchase price.
Closing costs + prepaids$15,838Not just lender fees.
Before credits & paid funds$395,588The complete starting cash picture.
Estimated remaining funds due at closing
$395,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,749.83
Your down payment$379,749.83
Closing costs + prepaids$15,837.80
Total buyer cash needed$395,587.63
Remaining funds due$395,587.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$1,725.00
Prepaid interest, first (28 days)$737.80
Fees + prepaids$15,837.80
Your down payment is the seller’s equity. You take over the $310,250 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $395,587.63 is due at closing. Uses and sources reconcile at $705,837.80 each. Not a Closing Disclosure.