Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$556,577Cash toward the purchase price.
Closing costs + prepaids$15,004Not just lender fees.
Before credits & paid funds$571,581The complete starting cash picture.
Estimated remaining funds due at closing
$571,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556,576.84
Your down payment$556,576.84
Closing costs + prepaids$15,004.29
Total buyer cash needed$571,581.13
Remaining funds due$571,581.13
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)$918.25
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$562.04
Fees + prepaids$15,004.29
Your down payment is the seller’s equity. You take over the $133,323 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $571,581.13 is due at closing. Uses and sources reconcile at $704,904.29 each. Not a Closing Disclosure.